End-to-end design for a digital banking mobile app for one of America’s leading credit bureaus
End-to-end design for a digital banking mobile app for one of America’s leading credit bureaus
End-to-end design for a digital banking mobile app for one of America’s leading credit bureaus
End-to-end design for a digital banking mobile app for one of America’s leading credit bureaus
PRODUCT DESIGN
2022-2023
PRODUCT DESIGN
2022-2023
PRODUCT DESIGN
2022-2023
PRODUCT DESIGN
2022-2023
Project details
Project details
Project details
OVERVIEW
OVERVIEW
OVERVIEW
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.
At Experian, I contributed by designing the Onboarding and Direct Deposit flows and supporting the Design System.
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.
At Experian, I contributed by designing the Onboarding and Direct Deposit flows and supporting the Design System.
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.
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.
At Experian, I contributed by designing the Onboarding and Direct Deposit flows and supporting the Design System.
At Experian, I contributed by designing the Onboarding and Direct Deposit flows and supporting the Design System.
Client
Client
Client
Experian
Experian
Experian
My role
My role
My role
Design system
Prototyping
Interaction Design
Developer handoff
Design system
Prototyping
Interaction Design
Developer handoff
Design system
Prototyping
Interaction Design
Developer handoff
Team
Team
Team
6 designers
1 project manager
6 designers
1 project manager
6 designers
1 project manager
Duration
Duration
Duration
2022 - 2023
2022 - 2023
2022 - 2023
Our impact
Our impact
Our impact
$50M
$50M
$50M
$50M
added in annual revenue within the first year of the apps introduction
added in annual revenue within the first year of the apps introduction
added in annual revenue within the first year of the apps introduction
added in annual revenue within the first year of the apps introduction
22M
22M
22M
22M
of Experian's 220 million U.S. customers have transitioned to using Smart Money, in less than two years
of Experian's 220 million U.S. customers have transitioned to using Smart Money, in less than two years
of Experian's 220 million U.S. customers have transitioned to using Smart Money, in less than two years
of Experian's 220 million U.S. customers have transitioned to using Smart Money, in less than two years
14M
14M
14M
14M
users already using Experian Boost since launch
users already using Experian Boost since launch
users already using Experian Boost since launch
users already using Experian Boost since launch
Key Challenges
Key Challenges
Key Challenges
Integrate Digital Checking into the existing ecosystem while maintaining Experian brand
Integrate Digital Checking into the existing ecosystem while maintaining Experian brand
Integrate Digital Checking into the existing ecosystem while maintaining Experian brand
Integrate Digital Checking into the existing ecosystem while maintaining Experian brand
Build entirely new flows and screens in an established design system
Build entirely new flows and screens in an established design system
Build entirely new flows and screens in an established design system
Build entirely new flows and screens in an established design system
Address mobile & desktop constraints
Address mobile & desktop constraints
Address mobile & desktop constraints
Address mobile & desktop constraints
Navigate evolving requirements under tight timelines
Navigate evolving requirements under tight timelines
Navigate evolving requirements under tight timelines
Navigate evolving requirements under tight timelines
How do we create a product that feels seamless in Experian’s ecosystem but delivers unique value?
How do we create a product that feels seamless in Experian’s ecosystem but delivers unique value?
How do we create a product that feels seamless in Experian’s ecosystem but delivers unique value?
How do we create a product that feels seamless in Experian’s ecosystem but delivers unique value?
Our approach
Our approach
Our approach
Framing the problem
Framing the problem
Framing the problem
Mapped constraints, workflows, and edge cases early
Mapped constraints, workflows, and edge cases early
Mapped constraints, workflows, and edge cases early
Mapped constraints, workflows, and edge cases early
Considered platform-specific requirements to ensure scalable, consistent solutions
Considered platform-specific requirements to ensure scalable, consistent solutions
Considered platform-specific requirements to ensure scalable, consistent solutions
Considered platform-specific requirements to ensure scalable, consistent solutions
Design system strategy
Design system strategy
Design system strategy
Reused existing components wherever possible
Reused existing components wherever possible
Reused existing components wherever possible
Reused existing components wherever possible
Introduced new patterns strategically for flows not yet represented in the system
Introduced new patterns strategically for flows not yet represented in the system
Introduced new patterns strategically for flows not yet represented in the system
Introduced new patterns strategically for flows not yet represented in the system
Wireframes & iteration
Wireframes & iteration
Wireframes & iteration
Low-fidelity wireframes explored dashboards, onboarding, and key flows
Low-fidelity wireframes explored dashboards, onboarding, and key flows
Low-fidelity wireframes explored dashboards, onboarding, and key flows
Low-fidelity wireframes explored dashboards, onboarding, and key flows
Iterated based on heat-mapping tests and stakeholder feedback
Iterated based on heat-mapping tests and stakeholder feedback
Iterated based on heat-mapping tests and stakeholder feedback
Iterated based on heat-mapping tests and stakeholder feedback
Key adjustments: simplified dashboards, clarified fees, shortened onboarding, personalized advice
Key adjustments: simplified dashboards, clarified fees, shortened onboarding, personalized advice
Key adjustments: simplified dashboards, clarified fees, shortened onboarding, personalized advice
Key adjustments: simplified dashboards, clarified fees, shortened onboarding, personalized advice
User testing & insights
User testing & insights
User testing & insights
Competitor Analysis
Competitor Analysis
Competitor Analysis
Competitor Analysis
89% of U.S. bank account holders use mobile banking. Competitor analysis identified opportunities to differentiate through simplicity, trust, and security.
89% of U.S. bank account holders use mobile banking. Competitor analysis identified opportunities to differentiate through simplicity, trust, and security.
89% of U.S. bank account holders use mobile banking. Competitor analysis identified opportunities to differentiate through simplicity, trust, and security.
89% of U.S. bank account holders use mobile banking. Competitor analysis identified opportunities to differentiate through simplicity, trust, and security.
Heat mapping
Heat mapping
Heat mapping
Heat mapping
Heat-mapping revealed areas where users struggled to locate or understand key dashboard actions.
Heat-mapping revealed areas where users struggled to locate or understand key dashboard actions.
Heat-mapping revealed areas where users struggled to locate or understand key dashboard actions.
Heat-mapping revealed areas where users struggled to locate or understand key dashboard actions.
Pain points & solutions:
Pain points & solutions:
Pain points & solutions:
Pain points & solutions:
Complexity: Overloaded dashboards → simplified layout
Trust: Hidden fees → transparent display
Relevance: Generic advice → personalized recommendations
Complexity: Overloaded dashboards → simplified layout
Trust: Hidden fees → transparent display
Relevance: Generic advice → personalized recommendations
Complexity: Overloaded dashboards → simplified layout
Trust: Hidden fees → transparent display
Relevance: Generic advice → personalized recommendations
Complexity: Overloaded dashboards → simplified layout
Trust: Hidden fees → transparent display
Relevance: Generic advice → personalized recommendations
Onboarding
Onboarding
Onboarding
Onboarding
Lengthy flows → streamlined signup
Lengthy flows → streamlined signup
Lengthy flows → streamlined signup
Lengthy flows → streamlined signup
RESULTS
RESULTS
RESULTS
RESULTS
An onboarding experience seamlessly connecting to Experian’s pre-exiting ecosystem
An onboarding experience seamlessly connecting to Experian’s pre-exiting ecosystem
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.
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.
RESULTS
RESULTS
RESULTS
RESULTS
Incentivizing direct deposit and exploring integration with third party applications
Incentivizing direct deposit and exploring integration with third party applications
Incentivizing direct deposit and exploring integration with third party applications
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.
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.
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.
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.
RESULTS
RESULTS
RESULTS
RESULTS
Building on and enhancing the design system to optimize for future capabilities
Building on and enhancing the design system to optimize for future capabilities
Building on and enhancing the design system to optimize for future capabilities
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.
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.
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.
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.
Project Takeaways
Project Takeaways
Project Takeaways
Project Takeaways
Navigating edge cases
Navigating edge cases
Navigating edge cases
Navigating edge cases
Early identification and addressing of edge cases were crucial, revealing unexpected user behaviors and scenarios that significantly impacted the overall product experience.
Early identification and addressing of edge cases were crucial, revealing unexpected user behaviors and scenarios that significantly impacted the overall product experience.
Early identification and addressing of edge cases were crucial, revealing unexpected user behaviors and scenarios that significantly impacted the overall product experience.
Early identification and addressing of edge cases were crucial, revealing unexpected user behaviors and scenarios that significantly impacted the overall product experience.
Adapting to changing requirements
Adapting to changing requirements
Adapting to changing requirements
Adapting to changing requirements
Working with evolving requirements, especially under tight deadlines, underscored the importance of flexibility. Close collaboration between design and development was essential to rapidly adapt designs as new requirements emerged.
Working with evolving requirements, especially under tight deadlines, underscored the importance of flexibility. Close collaboration between design and development was essential to rapidly adapt designs as new requirements emerged.
Working with evolving requirements, especially under tight deadlines, underscored the importance of flexibility. Close collaboration between design and development was essential to rapidly adapt designs as new requirements emerged.
Working with evolving requirements, especially under tight deadlines, underscored the importance of flexibility. Close collaboration between design and development was essential to rapidly adapt designs as new requirements emerged.
Working within design restrictions
Working within design restrictions
Working within design restrictions
Working within design restrictions
Experian's established design system provided a robust framework. I learned to effectively balance the use of existing components with the strategic proposal of new ones that maintained alignment with the overall system across multiple platforms.
Experian's established design system provided a robust framework. I learned to effectively balance the use of existing components with the strategic proposal of new ones that maintained alignment with the overall system across multiple platforms.
Experian's established design system provided a robust framework. I learned to effectively balance the use of existing components with the strategic proposal of new ones that maintained alignment with the overall system across multiple platforms.
Experian's established design system provided a robust framework. I learned to effectively balance the use of existing components with the strategic proposal of new ones that maintained alignment with the overall system across multiple platforms.
Ensuring scalability
Ensuring scalability
Ensuring scalability
Ensuring scalability
Designing for both app and desktop illuminated the distinct requirements of each platform. I gained valuable insight into how features scale, ensuring a consistent user experience despite varying technical constraints.
Designing for both app and desktop illuminated the distinct requirements of each platform. I gained valuable insight into how features scale, ensuring a consistent user experience despite varying technical constraints.
Designing for both app and desktop illuminated the distinct requirements of each platform. I gained valuable insight into how features scale, ensuring a consistent user experience despite varying technical constraints.
Designing for both app and desktop illuminated the distinct requirements of each platform. I gained valuable insight into how features scale, ensuring a consistent user experience despite varying technical constraints.
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© NICOLE LOZANO 2025
Hiya! Have an idea
or opportunity?
© NICOLE LOZANO 2025
Hiya! Have an idea
or opportunity?
© NICOLE LOZANO 2025
Hiya! Have an idea
or opportunity?
© NICOLE LOZANO 2025