Canara bank . Online banking platform . redesign
Professional Work, 2018 | Focus - User Research . User Interface

Who is the current demographic and what do they think of the banking system?
What does the current online banking system look like? What works and what doesn't?
Questions to be asked
Who are the people currently involved in maintaining and running the online banking platform?
What online banking services other than Canara Bank are currently popular and why?
Heuristic Evaluation
Summarized Findings:
Overload of information.
The current online banking platform was very outdated and hard to use. Various heuristics were violated and errors like random logouts and glitches made the product seem unreliable and not trustworthy, which are all important factors for a platform dealing with finance.
Interviews and fly on the wall
Abishek, 29
"I'm not sure where to go from the first page. By the time I figure out where to click next, I could have just gone to the bank and come back."
Insight : Unclear user architecture and an overwhelming amount of information.
" We are talking about money here, I'm not entirely sure if it went through to the right person or if I've made a mistake"
Insight : No clear confirmation of action and broken feedback loops
Janani, 58
James, 65
" It takes me a lot for me to get a task done, I don't know if it is my internet connection or if I'm doing something wrong but I always feel like I've done something wrong or like I'm stuck."
Insight : Tasks take too much time to complete. Too many windows and too much time loading pages.
Summarized Findings:
Users did not want to feel overwhelmed, Unsafe or slow.
Speaking with users from various age groups and socio-economic backgrounds made us realize the various needs they had and the shortcomings of the current system. The older generation often voiced concern about the unreliability of the platform while the younger generation pointed out the time required to complete simple tasks.

Market comparison
Summarized Findings:
The top market contenders all placed a high priority on safety, time, clear brand language and ease of use.
We compared 3 top banks - ICICI, SBI, and CITI bank. They all had multiple platforms with well-defined uses and a clear brand system that was shared between them all. The information was not cluttered and well distributed according to need and use.
personas and as-is journey maps
The information from the personal interviews and the design workshop session was used to create two main personas and their current journeys. The main target groups were the elderly population who have been using Canara bank for years and often have pension accounts with the bank and a younger demographic who had an account because their parents introduced it to them, but were not active users due to how inconvenient the system was.
Personal account and fund transfer were the main areas where we narrowed our concentration to.




Empathy maps | big ideas | hill statements
We formed groups and each group ideated on one of the personas and their journeys. The combined outlook of users, bank personnel and engineers gave us rich insight into real requirements and roadblocks.
Low and mid-fidelity explorations and testing
Rough sketches, paper prototypes, and quick iterations were made and tested on the spot with the focus groups. Various suggestions were added in and techniques like card sorting were used to determine the hierarchy of things.
The final artifacts
After working back and forth with the team, I created a new interface that addresses some of the major themes that we had discussed during the design workshop.
The “Don't Make Me…” factor – Anxious | Confused | Slow
The “It Should Be…” factor – Delightful | Simple | Easy
The “We Are…” factor – Compassionate | Caring | Meaningful
Easy login
Tackled problem - The previous version had a login button that was hidden and the users had to search for it.
Clear content
Tackled problem - The users were often overwhelmed by the amount of content flashing on their screen.
Tackled problem - Information was often arranged on the screen with no allignment or uniformity in branding elements thus making the experience of online banking more unpleasant for the user.
finding answers or help

New and improved landing page
Hierarchy, flow, and consistency
Tackled problem - Modal windows and constantly swiping carousals caused distraction and confusion to the users. Finding the content they needed or asking for help was never an easy task.

Personal Dashboard and payments
Customizable content
Tackled problem - Features that were never used by users would often populate their personal dashboard, leaving the user annoyed and confused.

Quick and fast money transfer
Tackled problem - As a platform often used by an aging population to send and receive money, the process was long and had multiple steps that often deterred users from online banking.

Confirmation and feedback loops
Tackled problem - Users would often get agitated or scared when they do not know if their payments went through. The lack of immediate feedback was a big reason for users to prefer face-to-face direct banking practices over online banking.
Mobile payment transfer
Quick Transfer Page
Intent - A clear transfer page with payees listed according to various categories.

Picking Payee
Intent - Pick the desired payee and cross-check account and brand information to quickly confirm if it is the right person.

Account Confirmation
Intent - A quick confirmation to pick the account the money is being transferred from. If the user only has one account with the bank then there is no choice to make at this stage.

Final Confirmation
Intent - Final confirmation with all the required information, from the account that the money is being transferred from to the person it's being transferred too and the amount along with remarks.

Personal pin
Intent - Before the money is transferred, the pin number is confirmed once again for security purposes.

Feedback
Intent - A quick note to let the user know that their action was successful.
