Account Opening

iOS and Adnroid

Tools

Sketch, Zeplin & Invision

Time Frame

About 5 months

 

The Brief

As we were halfway through 2020, Discover wanted to ensure that its customers could easily view and open an account on the Discover mobile app.

Currently, the Discover mobile app does not have the online account opening as a native experience within the app

The Challenge

  • This flow on browser has multiple identity questionnaires like identity checks, ID submissions, linking accounts for initial funding.

  • The stake holders wanted to cut down all initial checks to a minimum while all other background checks would be done post application submission.

  • Incorporating the new design system that was being designed simultaneously. Constant components update and quick turnarounds.

The Process

  • The UX team started with the flow chart of the user flow as there were multiple steps.

  • I collaborated with the UX team and the product manager to align the flow.

  • Upon approval of the flow, I started to layout the designs in Sketch.


Data and insights

  • Browser experience served as a base for the flow.

  • On further review, the flow was cut down to be at par with competitors.

  • New design system was implemented (while it’s still in the building process).

Review page design exploration using various shapes and colors from the design guide. I made sure the most important things stood out and the rest of the information was quickly scannable.

Step indicator added to the flow. Since there are various steps involved in the process, adding a step indicator doesn’t keep the user guessing about how far along they are in the process and keeps them well informed.

OAO Savings.png

Click here or the image to view prototype

Usability Testing

Post-re-skin and re-design, we conducted a moderated usability testing to test for:

  1. Ease of use

  2. Any roadblocks for users when they get to the long list of disclosures.

  3. We asked if they are skimmers or skippers of such disclosures.

Results

  • The users found the flow with a step indicator very helpful, and they never had to guess where it would end.

  • Five out of the six users claimed to be skimmers of lengthy disclosures and just wanted to scroll through them to get to the action.

  • The users found the flow easy and quick.

Future Enhancements Per Testing for long disclosures

How we show lengthy disclosures became a constant discussion for the bank and designers. Some disclosures could easily be hidden behind links or scroll boxes. At the endow the day, the legal team would be able to weigh iron which disclosures were appropriate behind links and which ones must be displayed.

Another limitation for designing these lengthy disclosures was how soon these could be implemented by the engineering team, given the release times.

For the design team, this became an exploration for treating future lengthy disclosures, and we started to create patterns and components for our design system library.