Spend-Smarter-1

NATWEST

NATWEST

NATWEST

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BETTER OFF

BETTER OFF

BETTER OFF

BETTER OFF

APP

Most people don't keep track of their everyday spending habits or where their money goes; they need a better way to understand their finances. Working with Natwest we decided to offer easy-to-use tools that would empower customers to improve their spending habits and become financially better off.

We introduced automatic categorisation to make it easier for the user to digest where they were spending the most. Challenges were also released to incentivise change. Finally we informed the user of regular occuring payments so they could plan better for the future.

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TYPOGRAPHY

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COLOURS

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ICONOGRAPHY

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“Empower customers to ‘get better off’ financially and design the next breed of data-driven banking service. 

MARK BAILIE - CHIEF OPERATING OFFICER NATWEST

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ONBOARDING

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SPENDING

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CHALLENGES

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PROBLEM STATEMENT

Many customers don't know where their money goes, and need a better way to understand their finances. They want their money to work harder for them so they can achieve a better life
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KEY INSIGHTS

With 76 customers interviewed we began to discover key trends and insights that we could cluster together as well as develop our design principles.

VALIDATNG AND TESTING

User Research sessions were conducted in a lab environment on a weekly and fortnightly basis. Participants were all NatWest customers and part of the target segmentation. The format of the sessions included:
• Interview questions on key subjects to explore people’s mindsets and expectations
• Prototype walk through to solicit feedback on key features and interface elements
• Tasks given to participants in order to gauge effectiveness and intuitiveness of the interface
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REFINEMENT AND USABILITY

Once we were satisfied with our direction we developed high fidelity prototypes and tested as per our testing schedule. We then iterated on this at rapid speed.

IMPACT

Demonstrated a vast improvement to their current app and was later released as a the Spending feature in Natwest's main app.

In the first year 5.5 million NatWest customers used the Spending feature at launch, with 4 million continuing to use it on a consistent basis – that’s around 40% of the Retail Bank’s mobile banking customers.

TEAM

Hal Sargent / Will Troup / Helena Aguado / Daniela Ivanova / Daniel Harris / Dominic O'Brien

ROLE

Design Lead

AGENCY

Fjord

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