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Mobile Banking App: Feature Envisioning

Exploring new workflows and features for the next generation of a major bank's mobile app

UX Design Ideation NDA

UX Designer, Envisioning Pod

2022

iOS & Android

Major North-American Bank

The Context

I was part of a small envisioning pod working directly with business, architecture, and marketing teams to explore and propose new features for the upcoming update of the bank's mobile banking app.

This was the requirements exploration phase , where our goal was to envision design changes and present them to senior stakeholders for buy-in before development began.

Working in agile sprints , I collaborated directly with senior leadership to suggest new workflows, draft lo-fi wireframes, and propose user flows. The work was intentionally fast and scrappy: sketches and wireframes to communicate intent, not pixel-perfect mockups.

Features Explored

I created user flows and lo-fi wireframes for several key feature areas. Each was presented to the business team as a design proposal to align on scope and feasibility before handoff.

Recurring Payments

User flows for setting up, managing, and modifying recurring bill payments and scheduled transfers. Explored how users would create, pause, and cancel recurring rules.

P2P Payments Integration

Designed the introduction of peer-to-peer payment capabilities within the app: sending, requesting, and splitting money with contacts, integrated into the existing account flow.

Bill Pay Enhancements

Rethinking the bill pay experience: adding payees, viewing payment history, scheduling payments, and managing all bills from a single unified view.

Inter-Account Transfers

Simplified flows for moving money between internal and external accounts, with clearer confirmation steps and transfer scheduling options.

My Role

As part of the envisioning pod , I worked directly with senior stakeholders in a fast-paced, sprint-based cadence.

Stakeholder Collaboration

Worked directly with business leads, product architects, and marketing to understand strategic priorities and translate them into tangible design proposals.

Agile Sprints

Operated in sprint cycles, delivering wireframes and user flow presentations at the end of each sprint for stakeholder review and feedback.

User Flow Design

Mapped complete user journeys for each feature area, identifying edge cases, error states, and opportunities to simplify multi-step banking processes.

Design Proposals

Created lo-fi wireframes and annotated screens to communicate design intent clearly, enabling quick alignment without over-investing in visual polish.

Key Outcomes

Features Greenlit

Multiple feature proposals from the envisioning phase were approved and moved into active development sprints.

Stakeholder Alignment

Lo-fi wireframes and user flows gave business, architecture, and marketing a shared visual language to align on requirements early.

Faster Decision-Making

The scrappy, sprint-based approach let the team explore and reject ideas quickly, avoiding costly late-stage changes downstream.

Impact

2M+

The features envisioned during this phase were shipped in the app update, reaching over two million users across iOS and Android.

+0.1 ★

The app's store rating increased by 0.1 stars following the update, reflecting improved user satisfaction with the new features.

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