We worked with Credit One Bank to bring to life a mobile banking experience that was on par with other large banks. Because their target market is individuals with lower credit scores looking to build credit, we wanted to prioritize actions and information that would help them build credit.
Before we came in, Credit One had no mobile presence, and they knew that they needed one if they wanted to continue to grow and be a contender in the banking space. Because of their target demographic, we wanted to focus on three key concepts in the mobile app.
1. Using touch ID to login quickly and prioritizing financial information.
2. Make paying on time intuitive and easy.
3. Credit education.
We started by exploring different ways the login, quickview, and home screens could look. We knew that it was important to nail what the user sees the first time they open the app.
Goal 1: Easy Access
We wanted to make sure that accessing account and balance information was as easy as possible. We didn't want there to be any barriers or hoops the user needed to jump through to get critical information. We included touch ID to make logging in as easy as possible and also made sure that balance information was the primary focus once logged in.
Goal 2: Make Payments Easy
We felt that to help people get in the habit of paying on time, we had to make the experience as easy as possible. So we introduced the feature of quickpay. It allows users to look at their balance and make a payment through touch ID without logging into the app.
Goal 3: Credit Education
We wanted to make sure that users were being educated to some degree about their credit. To meet that goal, we've included a credit tracker so that users wouldn't have to go to a 3rd party service to get that information. We've also included a history of the user's credit so they can monitor their growth and progress.