Literature Research
Literature review, benchmarking and application analysis.
Bank of Trust
Future of Banking In Your Hands
A new-generation mobile banking case study focused on creating a more modern, customizable, multifunctional and lower-friction financial experience.
01
Design Process
User Research
Interviews and analysis of banking applications and their features.
Persona & Feature Development
Analysis of research outputs and definition of the main product features.
Information Architecture & Flows
Exploration of the application structure and its primary user flows.
High Fidelity Wireframes
Visualization of the main features and final experiences.
02
Literature Research
What is “New Generation” Mobile Banking?
The new generation mobile banking concept shifts applications from static transaction hubs to proactive, hyper-personalized financial companions.
How is Gen Z inspiring a reinvention of banking?
Gen Z is demanding personalization, transparency and digital-first solutions when it comes to managing their money.
03
Key Features of New-Generation Banking
AI-Driven Personalization
Machine learning analyzes spending habits to automate savings, forecast upcoming bills and proactively flag anomalies, reducing the need for manual budgeting.
Hyper-Intuitive UI
Dynamic, context-aware interfaces prioritize relevant information and frequently needed actions.
Financial Super Apps
Modern banking applications combine traditional banking with services such as investments, travel, insurance and digital-wallet utilities.
Embedded Social Finance
Person-to-person transfers, mobile-wallet integration, connected bank accounts and frictionless international transfers create a more integrated financial ecosystem.
Frictionless Onboarding
Digital onboarding and biometric authentication allow users to access banking services with fewer procedural barriers.
04
Benchmark Analysis
01
Revolut
Multifunctional financial super app combining investment, international transfers, personalization and personal finance management.
02
N26
Minimal digital banking experience integrating shared financial spaces and investment functionality.
03
Ziraat Mobil
Broad traditional banking functionality supported by a strong local banking infrastructure.
04
İşCep
Extensive banking ecosystem with broad functionality and a more traditional interaction structure.
05
Midas
Modern and customizable interface providing seamless access to investment products.
06
Wise
Multi-currency banking and international money management focused on global transfers.
05
User Research
7
Interview Participants
Customization
Users valued being able to arrange their most frequently used actions.
QR Actions
QR-based actions were considered useful and worth making more accessible.
Investment
Users valued being able to follow investments, stocks and crypto within a single application.
Split & Pay
Easy shared payments between friends were considered useful.
Less Friction
Users preferred shorter, simpler and easier-to-scan interactions.
Easy Authentication
Face ID, ID scanning and video-based authentication were preferred over repeated traditional passcodes.
Modern UI
Participants appreciated the modern and clean interfaces of applications such as Midas and Revolut.
Persona
07
Information Architecture
The information architecture explores the main features of the application based on the research findings and defines the primary structure of the banking experience.
08
Main Features
The main navigation brings multiple financial services together within one mobile banking experience.
- 01Dashboard
- 02Invest
- 03Finances
- 04Benefits
09
Dashboard
A customizable overview that brings frequently used actions, current and investment accounts, digital wallets and recent financial activity into one accessible space.
- Customizable dashboard
- Frequently used actions
- Current and investment accounts
- Add Money
- Digital-wallet integration
- Shortcuts
- Recent transactions
10
Invest
The Invest experience brings portfolio management and market discovery into the banking ecosystem, allowing users to explore and monitor different investment opportunities without switching applications.
- Portfolio
- Discover
- Stocks
- Crypto
- Commodities
- Watchlist
- Stock details and data
11
Finances & Trust AI
The Finances experience combines financial visibility, goal tracking and AI-assisted support to help users understand and manage their financial life from a single place.
- Total Net Worth
- Spending Velocity
- Saving Milestones
- Trust AI
12
International Transfer
A streamlined international transfer experience designed to reduce friction while maintaining clear confirmation and authentication steps.
13
Pay & Share
A social payment experience that enables users to quickly send or receive money through contacts and QR-based interactions.
Built from the research insights around QR Actions and Split & Pay.
