Introduction

Designing a low-friction sign-up experience for digital-first banking

WHAT I DID

User Interviews, Usability Testing, Branding, Design Systems

DURATION

2 Weeks

Brand + Logo

The Koin name combines "joining" and "coins" to embody the app's mission - empowering users to seamlessly transact and connect with friends worldwide.

The flowing, curved logo symbolizes two users high-fiving, reflecting Koin's reliable, empowering, and community-focused values.

Image 1: Logo in a grid

Image 3: Symbol

Image 2: Logotype

Screen feature/ Country selection

Design systems documentation

Target Users

Koin empowers young, globally mobile millennials to manage finances and stay connected, no matter where life takes them.

The inclusive, community-driven platform promotes transparent conversations around personal money matters. Seamlessly send funds, pay bills, and access financial services - all while your data securely co-exists to simplify verification.

Survey to inform design

I conducted an anonymous survey with seven participants to gather insights on their attitudes towards social banking and expectations for the onboarding process.

Survey insight: 71% & 57%   of the users were ready to share their debit card details and link bank accounts respectively

Insight: 100%   of the users were ready to share mobile number with banking apps

Insight: 57%   of the users responded neutral to the idea of social banking  upon asking they mentioned that they were not sure what social banking meant

Survey insight: 100%   of the users preferred biometric authentication to signing up (finger print, face ID)

Usability Testing

To better understand the onboarding experience for mobile banking apps, I conducted usability testing with five participants.

User testing insight:Only 1 out 5  participants swiped the slideshow  to read the apps selling points or features

User testing insight: Only 2 out 5  participants chose to add their debit card. Others just skipped it!

User testing insight: 4 out 5  participants said that they prefer the Wise app’s onboarding experience

User testing insight: Visual Delight  Despite the extended duration of Wise app's onboarding process, users remarked that its animations and visual aesthetics made the experience feel seamless.

Strategic Task Flow Diagram

Research Analysis

①

App’s Feature Awareness

Over half of the users (57.1%) were unclear about social banking because they didn’t understand it. During testing, only 20% of participants read the app’s explanation, showing a gap in effective communication.

②

Making Debit Card Details Optional

While most users were comfortable sharing debit card (71.4%) and bank details (57%), only 40% entered their debit card information during onboarding, indicating an opportunity to enhance user flexibility and reduce friction.

③

Importance of Biometric Authentication

All users preferred biometric sign-up options and successfully added Face ID or fingerprint authentication. However, one user’s failure to receive a verification email highlighted the critical role of biometric options in ensuring a smooth sign-up experience.