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Banking App UX improvements

Smoother Money Transfers: Removing friction points in new-contact flows

Our Role UX/UI Design (research synthesis, interaction design, high-fidelity prototyping)
Client Our client within Banking Industry (NDA – name withheld) with an existing, high-NPS mobile app
Duration & Tools 8-week engagement in 2025; Figma, FigJam, Maze

The Challenge

Our client engaged us to run a parallel design sprint alongside their in-house team, delivering an independent perspective and targeted, data-backed recommendations to optimise the money-transfer experience. Their app was already a performing well, but internal usability testing and analytics highlighted friction points when users were adding and transferring money to new payees:

  • Only 61% of new-payee transfers were completed in under 60 seconds (vs. 89% for repeat payees).
  • Only 52% rated the new-payee experience “very smooth” (vs. 89% for repeat transfers)
  • Disruptive full-screen 2FA modal that broke flow after contact entry
  • Transaction history buried behind navigation, forcing users to leave the transfer screen to double-check past payments

The client provided us with rich prior research (heatmaps, session recordings, 200+ usability-test clips, and quantitative funnel data) so we could focus purely on designing and validating targeted solutions.

Business Goals (set by client)

  • Raise new-contact transfer by 20% - 30%
  • Reduce time-to-complete transactions by 10–20%
  • Cut related support tickets by >15%
  • Keep security-perception scores unchanged

What We Did

Discovery & Synthesis

  • Deep-dive into the client's existing research library and Amplitude funnel data
  • Mapped top three friction points and prioritised them with the product team

Design & Prototyping

  • Consolidated contact addition + verification into a single progressive screen
  • Embedded predictive transaction search and "recent activity with this contact" directly in the transfer preview
  • Delivered a pixel-perfect, clickable prototype mirroring the bank's design system

Final Deliverables

  • High-fidelity prototype ready for user testing.
  • Annotated flow documenting every decision tied back to the client's original research
  • Before/after comparison deck used by the bank's product team to secure final stakeholder sign-off
  • (Origional screens have been withheld to protect the client's privacy.)

Design Process

View initial wireframes through to high-fidelity greyscale designs

Results (Client-Measured 30 Days Post-Launch)

61% 84%
New-payee transfers completed in under 60 seconds
(+23 percentage points; now only 5 pp behind repeat payees at 89%)
52% 81%
Users rating the new-payee experience "very smooth"
(+29 percentage points; gap to repeat transfers narrowed from 37 pp to 8 pp)
–31%
Average time on 2FA step for new payees
from 9.4 seconds 6.5 seconds
eliminated the disruptive full-screen modal hesitation spike
–68%
Sessions requiring navigation away from the transfer flow to check history
from 11% of new-payee sessions 3.5%
inline history panel kept users in-context

Key Learnings

Even small interruptions in an otherwise good experience create measurable difficulties. Working from a client's existing, high-quality research let us move fast and deliver precise, low-risk improvements with outsized ROI. In future engagements of this type, we'd allocate even more time upfront to co-creating the success-metric dashboard with the client's analytics team to streamline post-launch measurement.