
Super-banking.
.
Confidential Client.
Super Banking.
The financial landscape is shifting. Consumers, particularly younger demographics, expect more than just transactional banking – they desire integrated financial wellness, proactive guidance, and seamless experiences. This project aimed to conceptualise and begin prototyping a "Super Banking App" that caters to this evolving need, challenging the status quo of traditional banking interfaces and experience.
Understanding the Landscape:
User Research:
The synthesis of existing market reports and behavioural data highlighted a desire for personalised financial advice, effortless budgeting tools, and integrated travel/lifestyle benefits.
Competitive Audit:
I benchmarked leading fintech apps (Revolut, Monzo, N26) and traditional players (Bank of America, Chase), focusing on UX, feature sets, and innovation.
Future Trends:
The exploration of banking trends – including open banking, AI-powered insights, and embedded finance – informed our core design principles. The focus was on creating a "financial command centre" rather than a simple banking app.
Defining the Vision.
The Design Triangle of Truth.
Desirability
Creating a delightful and intuitive user experience.
(Soft & focused)
Feasibility.
Leveraging existing banking APIs and emerging technologies. (On-brand with an edge)
Viability.
Identifying a clear path to monetisation through integrated services and premium features.
(Playful and fun)
The Experience.
I developed detailed wireframes for eight key screens, prioritising user flows and core functionality.
Key screens included, unfortunately, I can’t show them all:
Dashboard.
Financial overview & personalised insights.
Transactions.
Spending tracking & categorisation.
Investment.
Portfolio management & AI-driven recommendations.
AI Chat.
(“FinAssist”): 24/7 intelligent support.
Forecasting (“FutureView”).
Proactive financial planning tools.
Goals.
A clear pathway to saving for the future. Focusing on travel.

This initial phase confirmed the validity of the “Super Banking App” concept and highlighted the importance of
Proactive AI Integration.
AI-powered assistance is crucial for driving user engagement and providing personalised value.
Data Visualisation.
Clear and intuitive data visualisation is essential for empowering users to make informed financial decisions with ease.
Seamless Integration.
Integrating banking services with travel, investment, and lifestyle benefits enhances user convenience and loyalty. Travel seemed to be a big driver.
Key feature.
—
Accessibility/Security/Time Starved
Voice Print.
There was a strong user desire for convenient and secure banking, leading us to explore voice biometrics as a frictionless authentication method. Combining advancements in voice recognition technology with the need for enhanced security, we developed a system allowing users to initiate transactions via voice print even before fully opening the app, streamlining access and reducing fraud risk.