Mobile banking · Product redesign
UBA

Banking that moves at the speed of everyday life.

A redesigned mobile experience that makes transfers, payments, and account control feel faster, clearer, and more trustworthy.

Lead Product Designer12 weeksiOS & Android
9:41 ● ●
Good morning, Chinedu
Total balance₦2,480,650.20Across 3 accounts
SendAirtimePay bills•••More
Recent activity See all
NENneka EzeTransfer · Today-₦25,000
SPShopriteCard · Yesterday-₦18,420
9:41 ● ●
Send money ×
Amina BelloUBA · 2024 889 102
Amount
₦85,000
Transfer fee₦10.00ArrivesInstantly
Project overview

Reframing a feature-heavy banking app around the moments that matter most.

The redesign explores a simpler way for UBA customers to manage money across accounts, complete high-frequency tasks, and understand every transaction before committing.

My roleLead Product Designer

Research synthesis, UX strategy, interaction design, prototyping, and design-system direction.

FocusTrust + task speed

Transfers, bill payment, card controls, transaction clarity, and low-connectivity resilience.

Outcome targetsLess friction, fewer errors

Improve task completion and confidence without sacrificing security.

01 · The challenge

Banking should feel empowering, not operational.

Customers could complete core tasks, but dense navigation, technical language, and delayed reassurance made routine actions feel riskier than necessary. The redesign focused on reducing decision friction at every critical moment.

Research synthesis

Three behaviors shaped the experience strategy.

01

People scan before they act

Balances, recent activity, and pending items need to be understandable within seconds.

02

Trust is built before confirmation

Recipient verification, fees, and arrival timing must appear before a transfer is submitted.

03

Everyday tasks need shortcuts

Airtime, bills, and repeat transfers should require fewer steps without hiding important context.

User personas

Designing for confident control across different financial lives.

COChinedu OkaforOperations manager · Lagos

Manages household expenses and multiple accounts while working a demanding schedule.

Goals
  • Understand balances quickly
  • Complete frequent transfers
  • Track proof of payment
Friction
  • Unclear transfer status
  • Too many navigation choices
  • Connection-related anxiety
“Let me see what matters and know it worked.”
ABAmina BelloSmall business owner · Abuja

Moves money between suppliers and customers throughout the day and needs reliable records.

Goals
  • Pay suppliers efficiently
  • Separate personal and business activity
  • Share payment receipts
Friction
  • Repeated data entry
  • Hard-to-find transactions
  • Unclear payment failures
“Every payment needs to be fast and traceable.”
TATunde AdebayoUniversity student · Ibadan

Uses mobile banking for airtime, subscriptions, and everyday transfers on a limited budget.

Goals
  • Top up airtime quickly
  • Monitor daily spending
  • Avoid accidental fees
Friction
  • Complex financial language
  • Hidden costs
  • Slow access to common tasks
“Show me exactly what I am spending.”
02 · Experience principles

Fast when familiar. Explicit when consequential.

01

Clarity before action

Explain the recipient, cost, timing, and consequence before a customer commits.

02

Progress without ambiguity

Every financial action communicates processing, success, or recovery in plain language.

03

Control close at hand

Frequent actions and card safeguards remain immediately accessible.

04

Resilient by design

Save progress, communicate connectivity, and prevent accidental duplicate transactions.

Information architecture

Core journeys organized around intent, not product terminology.

HomeReview moneyChoose actionVerify detailsConfirm securelyTrack outcome
Accounts + activitySend · pay · top upRecipient + amountFee + timing + PINReceipt + status
Low-fidelity wireframes

Testing the complete banking journey before visual polish.

The early structure tested progressive onboarding, faster authentication, an action-led home screen, transparent transfers, bill payment, and immediate card controls.

01 · Onboarding
02 · Secure sign-in
03 · Home
04 · Transfer
05 · Pay bills
06 · Card controls
Feature 01 · At-a-glance control

A home screen that answers “Where do I stand?”

A consolidated balance, prioritized shortcuts, and readable recent activity turn the dashboard into a decision surface instead of a feature directory.

  • Cross-account visibility
  • Contextual quick actions
  • Human-readable transaction history
9:41 ● ●
Good morning, Chinedu
Total balance₦2,480,650.20Across 3 accounts
SendAirtimePay bills•••More
Recent activity See all
NENneka EzeTransfer · Today-₦25,000
SPShopriteCard · Yesterday-₦18,420
Feature 02 · Trusted transfer

Confidence built into every step of sending money.

Recipient verification, a focused amount entry, and a transparent review state reduce costly mistakes while keeping repeat transfers fast.

  • Verified recipient identity
  • Fee and timing transparency
  • Shareable proof of payment
9:41 ● ●
Send money ×
Amina BelloUBA · 2024 889 102
Amount
₦85,000
Transfer fee₦10.00ArrivesInstantly
High-fidelity product suite

A complete mobile bank, designed around everyday momentum.

Each screen carries enough context to support confident decisions while keeping the next action unmistakably clear.

Onboarding & access

A confident welcome and a faster path back in.

New customers understand the value proposition immediately, while returning customers can authenticate securely without navigating unnecessary screens.

9:41 ● ●
UBA

Banking built around your day.

Send, pay, save, and stay in control from one secure place.

Already have an account? Sign in
Home & insights

More than a balance: a financial command center.

The enriched home view combines account visibility, high-frequency actions, spending insight, upcoming bills, and transaction history without turning the interface into a dense dashboard.

9:41 ● ●
Welcome backChinedu
Available balance · Savings₦2,480,650.20**** 4812 · Updated now
SendAirtimePay billsAdd money
Monthly spending₦384,20012% below last month
Recent activity See all
NENneka EzeTransfer · Today-₦25,000
+₦Salary creditIncome · Yesterday+₦850,000
HomePayCardsMore
9:41 ● ●
Bills & airtime
Due this week₦42,5002 upcoming payments

Popular services

ElectricityInternetTVAirtime

Saved billers

EKEko ElectricityMeter · 0428Pay
MTMTN Data0803 *** 4521Pay
HomePayCardsMore
Money movement & control

Consequential actions made explicit and recoverable.

Transfers expose recipient identity, fees, timing, and source account before confirmation. Card controls and profile security offer immediate safeguards without requiring support.

9:41 ● ●
Send money ×
FromSavings · **** 4812₦2,480,650 available
Amina BelloUBA · 2024 889 102
Amount
₦85,000
Transfer fee₦10.00ArrivesInstantly
9:41 ● ●
My cards
UBA DEBIT•••• •••• •••• 4812CHINEDU OKAFORVISA
Spent this month₦184,200Monthly limit₦500,000

Card controls

Online paymentsEnabled
ATM withdrawalsEnabled
Freeze cardTemporarily block all use
HomePayCardsMore
9:41 ● ●
Profile & security
COChinedu OkaforTier 3 verified account✓ Identity verified

Security

Biometric sign-inFace ID enabled
Transaction PINUpdated 32 days ago
Devices & sessions2 trusted devices

Support

?Help centerChat or report an issue
HomePayCardsMore
03 · Impact targets

A faster experience that never trades away trust.

35%Target reduction in transfer completion time
25%Target reduction in avoidable transfer errors
90%+Target task success across priority journeys
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