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Chair - Creative Designer

 

Chair is a banking app that provides equity in financial services.

PROJECT SCOPE

 

  • Research & testing
  • Brand exploration
  • Mobile app design + prototype
chair-mockup

DESIGN ASSETS

LOGO DESIGN
STYLE TILES
WIREFRAMES
HIGH-FIDELITY DESIGNS
PROTOTYPE

TOOLS

FIGMA
ILLUSTRATOR

DURATION

6 WEEKS

SKILLS

RESEARCH
BRANDING
UX/UI DESIGN
USER TESTING & SYNTHESIS

The Project Brief

Mainstream banking services are too costly and lack equal opportunities. How can Chair provide accessible and educational ways to low-income communities to help them manage their finances? Financial institutions servicing low-income communities do not have the budgets to make digital tools widely accessible to their customers. By integrating with the local bank systems, Chair hopes to become the digital banking tool servicing low-income communities.

Taking a look at the domain

To gain additional insight into the domain, exploratory research was conducted. It was clear quickly Chair had no direct competition with that specific target user. Given that discovery, indirect or adjacently similar companies were researched to gain insight into their product offerings as well as their brand.

Detailed research can be found here>

Takeaways

1-01

Banking costs average up to $349 per year, where most households have less than $500 in savings.

1-02

In 2017, an estimated 6.5% of American households were “unbanked”.

1-03

African American consumers are 73% more likely than white consumers to lack credit score. They also face discrimination in credit access based on where they live, this is also referred to as “credit redlining”.

1-04

In 2019, more than three-quarters of Americans used a mobile device to check their bank balance. Additionally, in the low-income sector, Android devices are more accessible and affordable.

UI

  • Dashboard /tile/ card design
  • Heavy use of icons & illustrations
  • Split between top and bottom navigation patterns
  • Commonly used San Serif typefaces
  • Light UI with hints of accent colors
  • A mix of cool hues, including blues and greens

 

Features 

  • Enable third-party overdraft protection services such as Bridigit or Dave
  • Ability to enable automatic savings
  • Include a budget summary
  • Use of complex data visualization graphs
  • Credit building

Competitive differentiators 

 

  • Implement photography vs illustrations and icons
  • Use serif typefaces
  • Incorporate a warmer color palette
  • Leverage a darker UI
  • Simplify data visualization graphics
  • Provide educational and financial planning features all in one place

Visual Exploration

Before jumping into product design, I began the visual exploration for Chair by developing three divergent style tiles. Considering the company’s mission to provide an inclusive and straightforward banking experience, I wanted Chair’s interface to embody a trustworthy and neutral color scheme, highlighted with blues, teals, and beiges. I brought in curvature and roundness to shape the buttons, tiles, and cards and incorporated breathable san-serif typography with subtle hints of serifs to help differentiate Chair from the existing banking apps.

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Trustworthy, inviting & subtle

The use of a Serif typeface is the key differentiator in this tile. The design brings in oval like cards styles and simplified iconography. The light base colors and the deep teal hues feel inviting and trustworthy.

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Bold, Confident & Abstract

Curved and abstract shapes set the tone for this tile. Blues are used to highlight important account stats and data, while the yellow acts as an accent hue distributed amongst the main CTAs and graphs.

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Inclusive, comforting & encouriging

This visual approach bridges subtle gradients to ground the tiles and warm, upbeat photography to give the design a perosnable look and feel. Grays and whites are used as the base colors.

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User sourcing

Persona

Throughout the design process and when sourcing the testing participants, I’ve referred to these persona perameters provided by the client:


-17-55 year-olds in the low-moderate income population
-Minorities that are left out of the mainstream banking sector
-Many are unbanked (not using banks)
-Users would have approximately 3-5th grade level of math understanding.

Design direction established with desirability testing

Testing indicated that the “Trustworthy, inviting and subtle” style tile was preferred amongst the user group. This was a clear signifier that the visual theme was universally accepted among a younger and older audience.

Observations

 

  • Users enjoyed the budget tracking visibility, they like the idea of always staying informed about their daily financial standing
  • Teal / green hues were well responded to
  • They enjoyed the human-like photography, it felt relatable
  • Users had a positive reaction to the roundness of the shapes and elements, it gave the UI an inviting look and feel
  • Users had a difficult time understanding the main messaging tagline “All can have a seat at the table”, similarly with the “spending power” label

Areas for improvement


After synthesizing the provided feedback, I distilled a few major pain points and usability issues:

 

  • Create a clearer connection between the budget summary and the pie graph
  • Label all data and stats to avoid confusion or ambiguity
  • Language and tone need to be straightforward, revisit section labels and test for clarity and appropriateness
  • Place emphasis on the financial numbers

From product requirements to wireframes

The client and I prioritized key product requirements to include in the first version of the Chair app. These key product requirements included and ability to quickly open banking and credit accounts, access to educational budgeting and finance tools, and a streamlined onboarding process.

1-01

Accounts Snapshot

The account dashboard is easily accessible right from the bottom navigation. It provides glanceable financial information along with important account alerts. It’s presented in a card-like layout with the key financial information emphasized to help with scannability.

1-02

Streamlined Onboarding

Chair’s onboarding is easy and fast, the Welcome Screen visually synthesizes the “open account” user flow into 4 easy steps.

1-03

Bottom Navigation

I’ve leveraged the bottom navigation system to nest all of the key pages.

1-04

Quick Nav

In addition to the bottom navigation, I wanted to incorporate a quick top nav to make account operations such as transferring funds or depositing checks easily accessible.

Expanding on key features

Due to limited resources, user testing was conducted on the final round of high fidelity designs. Therefore, the first round of wireframe designs was solely analyzed by the client. Together, with the client, I revisited the current product features and identified key design improvements to implement in the next round of testing. These iterations included budget tracking, make a payment feature, and navigational changes. 

Validation with testing

Synthesis from the testing revealed that the app was easy to follow and the information along with the navigation was well organized. The color palette was calming and comforting while the iconography and typography were clear and easy to digest.

Key Quotes

I like that the interest is visible during the payment set up as opposed to tacked on after the payment has been made and processed”


“The graphics are helpful to see the suggested spending versus actual spending.”


“The information was clear and the icons made it simple to understand what each option does”

User feedback helped me understands that:

 

  • Descriptions/labels felt ambiguous.
  • The budget screen seemed a little confusing, specifically the difference between suggested and current spending.
  • The scrolling interaction on the top quick nav was not obvious.
  • “Banking Account” as a term is confusing when used in place of a “Checking Account” and speaks to the overall umbrella under which accounts are nested

Improved features and navigation

Budget screen that provides financial education and budget tracking

Re-visiting and adjusting the bottom navigation layout and interactions to include a navigational pull-up screen that holds key account tiles

Including the “Make a Payment” feature with visible interest breakdown

Final high fidelity designs

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iOS Android

The future testing wish list

While the feedback was clear and actionable, and I was able to address an important labeling issue on the budgeting screen as well as further define “banking” within the app,  a few items remained and are in need of further validation:

 

  • A/B test data visualization graphics and labeling on the budget screen
  • Incorporate micro-interactions to help elevate the user experience
  • Develop remaining user flows and main navigation screens
  • Gather more information on the bottom nav structure, to validate if the “pull-up” is an effective navigational interaction