Product Design | Design Systems
Experian Smart Money



Project details
Experian, a leading American credit bureau with over 220M U.S. consumers, set out to expand its services by launching a digital banking app. Our mission was to simplify banking and empower individuals to manage their finances effectively, boost their credit scores, and achieve financial confidence through their everyday purchases.
I contributed by designing the Onboarding and Direct Deposit flows and supporting the Design System.
Client
Experian
My role
Design system
Prototyping
Interaction Design
Developer handoff
Team
6 designers
1 project manager
Duration
2022 - 2023
Status
Launched
Confidential project (NDA)
Due to project confidentiality, I’m unable to share full project details or process. Please email me if you'd like to chat more about my design process :)



HIGHLIGHTS
An onboarding experience seamlessly connecting to Experian’s pre-exiting ecosystem
An onboarding experience seamlessly connecting to Experian’s pre-exiting ecosystem
I crafted an onboarding experience that guides users through multiple screens without feeling overwhelming, using playful and strategic design choices to keep them engaged.
By focusing on clarity, guidance, and intuitive flows, I helped ensure first-time users could navigate the product confidently and stay engaged from start to finish.
I crafted an onboarding experience that guides users through multiple screens without feeling overwhelming, using playful and strategic design choices to keep them engaged.
By focusing on clarity, guidance, and intuitive flows, I helped ensure first-time users could navigate the product confidently and stay engaged from start to finish.




HIGHLIGHTS
Incentivizing direct deposit and exploring integration with third party applications
I designed features that encourage users to set up direct deposit by highlighting tangible benefits and rewards, while also exploring ways to integrate with third-party applications for a smoother, more connected experience. This approach aimed to drive adoption, reduce friction, and make financial management more seamless for users.




HIGHLIGHTS
Incentivizing direct deposit and exploring integration with third party applications
I designed features that encourage users to set up direct deposit by highlighting tangible benefits and rewards, while also exploring ways to integrate with third-party applications for a smoother, more connected experience. This approach aimed to drive adoption, reduce friction, and make financial management more seamless for users.
HIGHLIGHTS
Building on and enhancing the design system to optimize for future capabilities
I helped grow Experian’s design system by introducing new components suited to our use cases, while keeping them consistent with the existing framework across platforms. This taught me how to balance leveraging a strong foundation with adding thoughtful extensions to address evolving needs.




HIGHLIGHTS
Building on and enhancing the design system to optimize for future capabilities
I helped grow Experian’s design system by introducing new components suited to our use cases, while keeping them consistent with the existing framework across platforms. This taught me how to balance leveraging a strong foundation with adding thoughtful extensions to address evolving needs.
Our impact
$50M
added in annual revenue within the first year of the apps introduction
Source
$50M
added in annual revenue within the first year of the apps introduction
Source
22M
of Experian's 220 million U.S. customers have transitioned to using Smart Money, in less than two years
Source
22M
of Experian's 220 million U.S. customers have transitioned to using Smart Money, in less than two years
Source
14M
users already using Experian Boost since launch
Source
14M
users already using Experian Boost since launch
Source
Project takeaways
Project
takeaways
Navigating Edge Cases
I learned to anticipate and address edge cases early in the design process, as they often reveal unexpected user behaviors or scenarios that can impact the overall product experience.
Adapting to Changing Requirements
Working with evolving requirements taught me the importance of flexibility, especially with tight timelines. Close collaboration between design and development was key, as designs needed to quickly adapt to new requirements as they were finalized.
Working Within Design Restrictions
Experian's established design system provided a robust framework, but I learned how to balance using existing components with proposing new ones that aligned with the overall system across multiple platforms.
Ensuring Scalability Across App and Desktop
Designing for both app and desktop highlighted the different requirements for each. I gained valuable insight into how features scale across different platforms, ensuring a consistent user experience despite varying technical constraints.
Get in touch
Avg. response 24 hours
Nicole — Lozano
Designed with love © 2025
Nicole — Lozano
Designed with love © 2025
Nicole — Lozano
Designed with love © 2025
Menu
Menu
Project takeaways
Navigating Edge Cases
I learned to anticipate and address edge cases early in the design process, as they often reveal unexpected user behaviors or scenarios that can impact the overall product experience.
Adapting to Changing Requirements
Working with evolving requirements taught me the importance of flexibility, especially with tight timelines. Close collaboration between design and development was key, as designs needed to quickly adapt to new requirements as they were finalized.
Working Within Design Restrictions
Experian's established design system provided a robust framework, but I learned how to balance using existing components with proposing new ones that aligned with the overall system across multiple platforms.
Ensuring Scalability Across App and Desktop
Designing for both app and desktop highlighted the different requirements for each. I gained valuable insight into how features scale across different platforms, ensuring a consistent user experience despite varying technical constraints.
Our impact
$50M
added in annual revenue within the first year of the apps introduction
Source
22M
of Experian's 220 million U.S. customers have transitioned to using Smart Money, in less than two years
Source
14M
users already using Experian Boost since launch
Source
