Opening a bank account anywhere in the world can prove difficult. Ipagoo enables anyone to open a bank account in any country, even if they’re not a resident.
We were tasked with reviewing the user experience and branding of the Ipagoo banking application which at the stage of collaboration was semi-complete.
Ipagoo serves a number of countries, each with their own financial regulations. The app required a modular system that could cater to each country’s differing requirements.
Ipagoo faced UX and UI challenges in their legacy application with the manner in which they attempted to solve this. Prior to our involvement it had been addressed with sequential screens, each requesting a single piece of information from a user, resulting in a total of more than 50 different screens before a user could get a taste of the application. Although this solution allowed the position and content of each screen to be created bespoke for each country, it resulted in a lengthy registration process and large development overhead for mobile developers and the API team.
The visual style also lacked in voice and personality.
We designed onboarding in a way where customers would feel like they’re within touching distance of the final application by utilising progressive disclosure. Users would reach the application chrome within 3 screens, down from 50.
The first of three screens asked for information one provides to most applications requiring an account: an email address and password.
The second screen asked users to select the currency and country they wished for their account to be opened in. This subsequently informed the application as to which country specific screen shall come next.
The third and final screen requested country specific details as pertaining to regulation. After this step, they are shown an illustrative holding screen informing users that manual verification is required which may take up to 24 hours. During this time they were free to explore all functionality of the application. We hoped illustrations and animations would instill a some delight in what may otherwise be a frustrating moment.
A secondary benefit to collecting information in this order would promise greater reactivation potential from customers who do not fully complete registration.
We crafted a hand drawn icon set for use throughout the application. To further distinguish Ipagoo from the majority of banking applications that depend on geometric grid system iconography, the icon set didn’t utilise any forms of grid or system other than uniform colour and stroke width. It allowed a human, unconstrained icon set that was unique and glyphic.
Delight in illustrations
The same technique was applied to illustrations and lent a greater strength of brand and voice while engineering emotions at each stage. These are flourishes that financial incumbents hesitate to implement as they attempt to appeal the lowest common denominator of user.
To further separate Ipagoo’s identity from competitors, we selected the confident and unique typeface Lemur that conveys personality and individuality yet maintains the trust required of a financial institution.
Lemur complemented the glyphic approach to iconography and illustrations while bringing a lot of personality to the application.