Challenge Summary
Welcome to "Digital Bank Creation Mobile Android App Design Concepts Challenge". We are looking for your help to create a modern, clean, and intuitive mobile (Android focused) application that will provide bank customers with new and innovative banking features at the tip of their fingers – improving the banking customer's experience. Customers will require access to basic banking self-service features (e.g. view transactions, changing contact information, requesting checks / cards), but we would also like you to be creative and identify new and different capabilities that a customer may desire. We want designers to focus on the UI/UX interactions and bringing clean, modern, new and different solutions to how this application should work (specifically around non-financial transactions). What should the user see and experience when using the application? What are new and creative banking features and capabilities that a user may desire? How can a mobile banking application improve the customer's banking experience and brand loyalty? The primary focus of this challenge should be on exploring how non-financial transactions that banking customers currently perform at physical locations can be accomplished in a mobile application.
Round 1
Please submit screens 1-5 (see screen requirements below) and additional ideas
Round 2
Please submit screens 1-6+ (see screen requirements below) and additional ideas
Background Overview
A large public sector Indian Bank would like to explore the art of the possible for banking and customer engagement through creation of a digital bank. Specifically, the bank would like to explore design concepts for an innovative application that will encourage customers to transition from physical to digital and facilitate improved customer experience through digital engagement.
Today, close to 80% of the bank's non-financial transactions (e.g. adding a nominee, changing of address / phone number, request for check books / debit cards) still happen in the physical branches. We want to change that by generating innovative design concepts that move non-financial transactions to the application.
Non-financial transactions = transactions that a banking customer performs in relation to their account (but not including typical financial transactions). For example:
- Update account details
-- Change of address
-- Change contact details
- Consolidation of folios / accounts
- Register / Change / Cancel Nominations (Nomination = beneficiary if something happens to primary account holder).
- See “Key features to include” section below for additional details about non-financial transactions and features to include.
Challenge Goals
We are looking for the best design concepts that explore new and creative ideas for online non-financial transaction banking capabilities. We are looking for designers who create both a simple and intuitive user experience, while also bringing innovative banking features and capabilities that would help the bank explore the art of the possible.
Design Problem
We would like to emphasize that these design concepts will help our client explore the art of the possible for digital banking and customer engagement, specifically for non-financial banking transactions (e.g. changing address, adding nominee, requesting debit card). As such, there are not strict requirements or guidelines for these designs.
We encourage you to think about how you would use and access mobile banking platforms and use your insights and experiences to generate your designs. We want you to include new and different ideas for banking features / capabilities that will provide customers a better experience and transition non-financial banking transactions from the physical branch to the online channel.
As the world comes online and more and more people have access to smart devices, banks around the world are deploying digital engagement strategies and platforms. A few examples of truly innovative and new ideas are listed below. Use these to help get you thinking about the art of the possible and what you will include in your designs.
Examples of Digital Banking Innovation:
1. Self-service end-to-end mortgage process: An Australian bank took the mortgage process digital and partnered with multiple home listing databases to develop a mobile app to search any house in the database for visual and written details, to engage customers at the beginning of their home buying journeys. Customers can click through to get advice, then start the mortgage application online or book an appointment with a mortgage adviser in a nearby branch.
2. Full-service bank on your smart device: In South Korea, a bank now offers a "full-service bank" in a smartphone, working seamlessly with the branches. Customers can withdraw cash from ATMs via their smartphones, parents can send money to their children via their mobiles, and it includes near-field payments technology that can be used to pay at many stores. Additionally, the platform leverages engaging location-based offers and coupons, as well as the ability to borrow for larger purchases while in the store.
3. Matching customers with products through machine learning: La Caixa, for example, within its e-banking service (Linea Abierta) has developed a service called Real Time Decision to improve the customers' interaction with La Caixa's Home Banking service. The technology helps consistently make the best possible decisions in real time, automatically and using self-learning techniques, making use of all the information the bank has available on the customer. The bank will offer customers products that match their interests on the basis of real-time analysis.
Key features to include:
In addition to your new and creative ideas, the banking application should include non-financial customer banking features, including:
- Customers must be able to change their contact information (including address and phone number)
- Customers must be able to request check books / debit cards
- Customers should be able to change nominees
- Bank should be able to engage with customer through the digital channel through providing live support, pushing offers / coupons based on mobile location, and connecting customers with a personal bank representative
As smart devices become equally viable as a method of payment as cards and physical brick and mortar branches become obsolete - it is important we think through the various features a user will want via a mobile application!
Screen Requirements:
-- Android mobile design concepts
-- Around 8-10 screens (or more if necessary) that walk the user from login to various banking features / capabilities depending on your ideas
-- Show all the screens and provide a user flow/click-path and navigation, so we can see how the interactions fit together in the application
A list of suggested screens is provided below. Please remember that you do not have to follow these screen layouts exactly. We are open to your creative ideas on how to best structure the app as long as important functionality is captured. We want to encourage your creativity!
01. Login Screen
- User needs to logged in to be able use the application.
- Provide login form where user can enter their account credential (username, password, submit, save user id, fingerprint scanner, etc.)
- Provide series of security system features if user enter wrong credential for several times (error message -> warnings confirmation to check their credential with bank -> block account from apps and inform user to contact bank to re-open the account)
- General Bank information that user can access without needs to logged in (Find Nearest Branch/ATM, Nearest store that can accept payment using the apps, Phone/Chat line to contact customer support, etc)
02. Dashboard Screen
- List of user recent activity (general checking)
- List of main navigation/features in the apps
- Infographic of their banking activity (chart for income, bills payment, and any other banking activity done by the user)
- Notification for their upcoming bills and status (due date in xx weeks, late, etc).
- Interesting offers from shop or other marketplace that having collaboration with the Bank.
- Logout button
- What information summary can be put in this screen? Show us your creativity!
03. My Account Screen
- User can view and edit their general personal information, preferences bank account information, Synchronize with different payment accounts (paypal, bitcoin, etc), and other informations related to the apps.
- User should be able to check their money deposit in the bank from this screen.
- Ability to check their bank statement (provide filter to simplify user checking, for ex, check by period of time, transaction type, etc)
- User should be able to check various of investment info, their progress so far, and the forecast for upcoming xx years that user doing with the Bank (retired funds, insurance, etc)
- Any other features that should be available in this screen? Feel free to add more!!
- While many account features revolve around financial transactions, the client wants to see your ideas around non-financial transactions primarily. It’s okay to include new ideas for financial transactions if you’d like as long as you focus mainly on non-financial transactions.
04. Check Book/Debit Card/Banking Administration Screen
- User should be able to manage their banking administration via the apps.
- Request/Re-order new checkbooks.
- Extend/Replace debit cards.
- Any other banking administration features that should be available in this screen? Feel free to add more!!
05. Register / Change a nominee
- User should be able to register a nominee through the application
- User should be able to change the nominee for their accounts through the application
- User should be able to remove a nominee from their accounts through the application
- Any other nomination related activities that should be available on this screen? Please feel free to add more!
06+. Other Features Screens
- What other kind of non-financial banking transactions would you like to have available in the app to simplify your life?
- For example: get live support from the bank, buy phone or internet credit, Uber kind transaction, browse nearby shopping opportunities / offers, purchase and track online items via app, etc.?
- Build several additional screens to capture your creative ideas!
IMPORTANT
- Keep things consistent. This means all graphic styles should work together.
- All of the graphics should have a similar feel and general aesthetic appearance.
- Show all the screens and provide a user flow/click-path and navigation, so we can see how the interactions fit together in the application
Design Considerations
- The interface needs to be clean, modern, easy and intuitive to navigate, particularly considering the wide array of users (farmers to merchants, etc.)
- Ideally the focus should be on fluid user experience as user accesses and interacts with new banking features and capabilities
- Designers should follow basic Android UI flows and conventions
- Focus on the design being a great user experience, think simple but effective solutions!
- Give importance to the overall layout and think on how a user would interact with the content on the page.
- Get creative with your designs! This client is really excited about exploring the art of the possible
- No idea is too crazy, please be creative and imagine what you would like in a banking application.
Screen Size:
- Create it as Android Mobile size : 1440px x 2560px
Branding Guidelines :
- Open to designers
Documentation :
- None.
Target Audience
- The target users would be the bank's customers. A wide spectrum ranging from the salaried white collar professional to the merchants to the farmers to the elderly.
Judging Criteria
- The overall functionality of your concepts - how well do your ideas work as a mobile banking application. We are looking for an app that is easy-to-use
- Your ideas and concepts!
- How well does your design align with the objectives of the challenge
- Cleanliness of your graphics and design.
- Overall design and user experience.
Submission & Source Files
Preview Image
Please create your preview image as one (1) 1024x1024px JPG or PNG file in RGB color mode at 72dpi and place a screenshot of your submission within it.
Submission File
Submit JPG/PNG for your submission files.
Source Files
All original source files of the submitted design. Files should be created in Adobe Photoshop and saved as layered PSD file, or Adobe Illustrator as a layered AI file.
Final Fixes
As part of the final fixes phase you will be asked to update the style tile to reflect any new elements that you have added to the design. You may also be asked to modify your graphics (sizes or colors) or modify overall colors. We may ask you to update your design or graphics based on checkpoint feedback.
Please read the challenge specification carefully and watch the forums for any questions or feedback concerning this challenge. It is important that you monitor any updates provided by the client or Studio Admins in the forums. Please post any questions you might have for the client in the forums.