Digital Deposit Journey: Regulated Fintech UX

Turned a branch-style term deposit process into a guided mobile journey for a digital-only bank. Pre-launch, validated with stakeholders, legal and users.

The challenge: stakeholders from traditional banking assumed dense verification steps built trust; customers expected frictionless saving with no banking jargon. The design had to earn trust from both.

My role: UX Lead, running co-mapping sessions with business and compliance stakeholders to strip out fields that added no value for customers.

Key decisions

• 8 screens cut to 4: three guided steps plus a confirmation, with a continuous progress tracker.

• 25+ form fields cut to 12, using smart backend defaults and progressive inputs.

• Legal terms moved from upfront walls with timers to a progressive agreement at the final step, cleared by legal review.

• Contextual education: tooltips and a CD vs TD comparison inside the flow instead of unexplained abbreviations.

Validation results (prototype, pre-launch): setup time dropped from 18 to 6 minutes in timed tests, and 8 of 10 interviewees said they understood what they were doing.

Full case study, with an interactive simulator