Creating a Mobile-Only Banking App for Millennials
The Problem Statement:
With the advance of fintech applications JPMorgan Chase wanted to enter and learn from an all-digital bank space. How can we create an experience that's unique to our customers and understand their spending behavior?
Finn by Chase is an all digital bank geared towards helping a younger demographic open an account in a matter of minutes. With a standard no fee Checking and Savings account, Finn lets users get a deeper understanding of their spending, encourages putting money aside towards their savings goals, and comes with no fees or overdraft. Our team from discovery to launch, was embedded in every aspect of the product release cycle. We conducted one on one interviews and intercepts before opening our design applications, boiling down our research and affinity notes to better understand our demographic of users and their needs, and better define our product.
We conducted regular cadence of user-testing within sprints, continually boiling the insights down to the essentials and saving the cook off for future app features. We used an agency to supply participants and had testing facilities on-premise. I led development and UX of several features and also prototyped all the screens for user testing.
I was one of the visual designers that participated in the personality research of the project, where the mood board, styles, fonts, color and imagery were collated into separate personalities to test with potential users. This research even was tested for color palette selection, which is generally polarizing and provided some difficulties. Ultimately the 'dark mode' look and feel was preferred and the team went about iterating on the design and subsequently, building out the design system.
Finn Final Look & Feel
Digital Account Origination / Onboarding
Finn was ready to stand up the current onboarding process of its parent company, but our team looked at that as an opportunity to improve Chase's onboarding. Gleaning insights using digital readers like the Nook and Kindle for competitive analysis, I broke apart the chunks of information and put them in cells that motioned onto the screen from the right, instead of a seemingly endless scrolling experience. The thinning of the right side of the book as one continues to read is a satisfying cue/indicator that their story is almost at an end. That was an important driver for new onboarding customers to complete the process, knowing each step of the way where they were and how close they were to finishing it.
Comparison of onboarding flows
High fidelity onboarding screens
