Bank of America
Corporate & private in one place. Mobile app UX/UI
Purpose
Provide an analysis of a bank's mobile application based on user experience. Emphasize usability, ease of use, and availability of sought-after features. Develop a potential solution for typical user tasks: Making a card-to-card transaction, checking the balance, obtaining the card number, and switching between personal and corporate profiles.
Background
Bank of America is one of the largest banks in the USA. It has a large team of developers and designers working on its interface. Despite this, I found some possible improvements in the interface of the main page and the main account pages based on the feedback from several users I interviewed. Also, I understand that certain design decisions in the application were made not only with usability and user experience in mind but also with specific business objectives. At first glance, suboptimal or inconvenient display may be justified by certain business processes or goals.
I believe that the result of good interface work is an accurate and possibly elegant solution to a business problem. It should not confuse the user or appear complex or illogical to them.
Provide an analysis of a bank's mobile application based on user experience. Emphasize usability, ease of use, and availability of sought-after features. Develop a potential solution for typical user tasks: Making a card-to-card transaction, checking the balance, obtaining the card number, and switching between personal and corporate profiles.
Background
Bank of America is one of the largest banks in the USA. It has a large team of developers and designers working on its interface. Despite this, I found some possible improvements in the interface of the main page and the main account pages based on the feedback from several users I interviewed. Also, I understand that certain design decisions in the application were made not only with usability and user experience in mind but also with specific business objectives. At first glance, suboptimal or inconvenient display may be justified by certain business processes or goals.
I believe that the result of good interface work is an accurate and possibly elegant solution to a business problem. It should not confuse the user or appear complex or illogical to them.
Client: UCSD Case Study
Industry: FinTech
Project: UX/UI Design and Research
Role: Researcher, UX/UI designer
Industry: FinTech
Project: UX/UI Design and Research
Role: Researcher, UX/UI designer
Basic UI Prototypes
The main idea is to combine business and personal accounts into a single user profile and make the app’s navigation as convenient as possible for users’ daily needs. Based on user feedback, the most popular daily action in the application is checking balances and paying bills. All other actions are performed by users occasionally. It is within this ideology that my three identified problems, described below, are constructed. These basic prototypes were created based on the wireframes and research described below on this page.
The main screens of the existing application
Study of alternatives
Intermediate conclusion
Looking at mobile banking apps, excluding neo-bank services, one might think that usability isn't a major competitive edge. Instead, having a somewhat inconvenient mobile banking app seems to be the norm nowadays. Neo-banks, which are only represented by apps, do a much better job with their applications.
Problems & Solutions
Problem 1
The homepage's content is not relevant to users' most common tasks. There is too much content, leading to a high cognitive load.
Why this is a problem?
The homepage is one of the most critical pages of the application. It is the most visited, and displaying non-essential information risks diverting users' attention from their intended actions and hiding important or expected functionality. Additionally, adding non-targeted CTAs on this page may confuse as they increase cognitive load and the time required to accomplish the user's task.
1.1 Static Account Details
The information in this block is static for the user; it does not update daily but occupies the most readable space on the first screen. Also, according to users, the account information differs from the familiar user solutions found in many service mobile applications and social networks. Additionally, profile identifiers are inaccessible from within the internal pages of the application.
1.2 CTA Distraction
The prominent Call-to-Action (CTA) "Open a new account" appears to be the primary expected action from the user on the main page, capturing the primary attention. However, none of the surveyed users have utilized this offer in the past 6 months. By attracting attention to itself, this component distracts users from the blocks that are priorities for them.
1.3 Second Screen Overload: Inconsistent Design and Clarity Issues
The second screen of the main page is overloaded with information and advertisements. It does not appear cohesive, resembling an insertion from another web resource. It even differs at the font level. Additionally, the difference between the previous CTA on this same page regarding opening a new account is unclear.
Solution Hypothesis 1
Change the Home Page based on the most frequent user’s tasks.
Unified Card Screen: Balance, Transactions, and Payment Features with Quick Menu Access
Combine the screens to display card balance and transaction history, adding the ability to make and receive payments. Additionally, include quick access to the card's contextual menu.
Result
The hypothesis was partially confirmed. The proposed main screen worked, but users expressed concern about the method of switching between accounts and cards.
FAIL: the method of switching between cards. The dropdown is too small for finger navigation and its functionality is not obvious.
Solution:
Display all existing accounts and cards by swiping left. This solution was validated by user research.
FAIL: the method of switching between cards. The dropdown is too small for finger navigation and its functionality is not obvious.
Solution:
Display all existing accounts and cards by swiping left. This solution was validated by user research.
Problem 2
Separation of functions for displaying balances by cards and actually creating transactions from one card or another.
Why this is a problem?
Most respondents, when given the user task of making a transaction and transferring a hypothetical sum to another subscriber's card, started their journey by selecting a card on the homepage, which led them to the balance display page. However, they did not find the expected functionality there. Subsequently, users navigated to the "Pay & Transfer" section and completed the payment. The initial thought that occurred to users was which card to use for the payment. The usability logic of the application differs from the logic of the users.
User Expectations: Enhanced Card Functionality for Direct Transactions
When selecting a card, users expected functionality beyond just viewing the balance, card details, and recent transactions. They also expected to be able to make a transaction directly from the current card.
Solution Hypothesis 2
Combine the screens for displaying card balance and transaction history, adding the ability to make and receive payments. Additionally, include quick access to the card's contextual menu.
Comprehensive Card Functions: Balance, Payments, and More
- The balance of the priority card
- Pay and transfer for this card
- Transaction history
- Press to copy the card number to clipboard
- Card context menu
- Swipe translates to map information and context menu
Result
95% of users described the interface as intuitive and easy to use. Key features are ‘always at hand.’ The idea of unified login for existing accounts was positively received, as currently users have to log out to switch between accounts, and FaceID is only linked to one of the existing accounts. Additionally, the solution of combining payment processing and balance display on the same screen was noted. The swipe gesture was found to be a natural and widely accepted navigation element.
The only failure in this interface was the dropdown for switching between cards. I replaced it with a swipe gesture, and the UI prototypes were subsequently developed based on this swipe functionality. The dropdown had to be abandoned.
Other projects
MOBILE APP UX/UI: CORPORATE & PRIVATE IN ONE PLACE
A comprehensive study of the Bank of America’s mobile application focused on user experience to identify usability and design enhancements. The goal was to simplify navigation for tasks like balance checks and card transactions while merging business and personal accounts for convenience.
Client: UCSD Case Study
Industry: FinTech
Project: UX/UI Design and Research
Role: Researcher, UX/UI designer
Client: UCSD Case Study
Industry: FinTech
Project: UX/UI Design and Research
Role: Researcher, UX/UI designer
BRAND DEVELOPMENT
A New York-based storage and logistics company offers modular solutions for e-commerce, managing storage, and shipping, focusing on growth. It needed a brand identity that reflected innovation, professionalism, and reliability, standing out from traditional storage providers.
Client: Flexdock
Industry: Storage and Logistics
Project: Brand Development
Role: Brand Designer, Graphic Designer, Consultant
Client: Flexdock
Industry: Storage and Logistics
Project: Brand Development
Role: Brand Designer, Graphic Designer, Consultant
BRAND DEVELOPMENT
A premium beauty salon in Vienna, positioned between budget and high-end options. The brand identity reflects elegance and modern luxury, featuring a refined logo with a feminine font and soft monogram. Natural tones, minimalist interiors, and custom patterns create a relaxed, sophisticated atmosphere for discerning clients.
Client: Beautique
Industry: Beauty & Wellness
Project: Brand Identity, Digital & Print Design
Role: Brand Designer, Consultant
Client: Beautique
Industry: Beauty & Wellness
Project: Brand Identity, Digital & Print Design
Role: Brand Designer, Consultant
MARKETPLACE PRODUCT DESIGN & BRAND DEVELOPMENT
A top UK startup for private events, offering diverse service categories and instant pricing technology, provides a seamless planning experience from inspiration to booking. I’ve been part of it from the start, and it’s now among the top 3 platforms in its niche.
Client: Poptop
Industry: Technology, Events, Hospitality
Project: Product Design, Brand Development
Role: UX/UI, Product Designer
Client: Poptop
Industry: Technology, Events, Hospitality
Project: Product Design, Brand Development
Role: UX/UI, Product Designer
BRAND DEVELOPMENT
A consulting agency with a bold communication approach. I led the rebranding to create a modern, recognizable identity, emphasizing clarity and consistency across all materials.
Client: City Profit
Industry: Consulting
Project: Brand Identity and Rebranding
Role: Brand Designer, Consultant
Client: City Profit
Industry: Consulting
Project: Brand Identity and Rebranding
Role: Brand Designer, Consultant
PRODUCT & BRAND IDENTITY DESIGN
A 4PL logistics startup offers end-to-end solutions for e-commerce businesses, covering the entire supply chain. I developed its brand identity and designed an intuitive dashboard, helping users monitor and optimize logistics operations with ease while ensuring the platform communicates innovation.
Client: Partner Trade
Industry: 4PL Logistics
Project: Product Design, Brand Development
Role: Brand and Product Designer
Client: Partner Trade
Industry: 4PL Logistics
Project: Product Design, Brand Development
Role: Brand and Product Designer
BRAND DESIGN
A newly established platform uniting e-commerce leaders and professionals to discuss industry advancements through events and networking, with a focus on innovation and global collaboration.
Client: GEF
Industry: E-commerce and Conferences
Project: Brand and Communication Campaign Development
Role: Brand Designer, Graphic Designer, Consultant
Client: GEF
Industry: E-commerce and Conferences
Project: Brand and Communication Campaign Development
Role: Brand Designer, Graphic Designer, Consultant
BRAND DEVELOPMENT
A luxury fashion brand focused on high-end clothing collections. I developed the brand identity from the ground up, including the logo, visual style, and packaging design, ensuring a sophisticated and cohesive brand image that reflects elegance and craftsmanship.
Client: Mareoni
Industry: Fashion & E-commerce
Project: Brand Identity Design, Digital, Packaging Design
Role: Brand Designer, Graphic Designer, Consultant
Client: Mareoni
Industry: Fashion & E-commerce
Project: Brand Identity Design, Digital, Packaging Design
Role: Brand Designer, Graphic Designer, Consultant
REBRANDING
A group of companies, combining specialized translation services and logistics, underwent a rebranding to unify its identity while maintaining each brand’s distinct market position.
Client: Force Group
Industry: Translation and Logistics Services
Project: Brand Identity Design, Digital Design
Role: Brand Designer, Consultant
Client: Force Group
Industry: Translation and Logistics Services
Project: Brand Identity Design, Digital Design
Role: Brand Designer, Consultant
UX/UI
A virtual hub for experts and beginners to come together to learn and grow the blockchain sector.
Client: BC Ventures
Industry: Blockchain and Technology
Project: Website Redesign
Role: UX/UI Designer
Client: BC Ventures
Industry: Blockchain and Technology
Project: Website Redesign
Role: UX/UI Designer
UX/UI
A global telecom leader developed a mobile app to protect devices and data, featuring theft prevention. The project included designing an intuitive interface and landing page to promote benefits, ensuring brand alignment and usability.
Client: Vodafone
Industry: Telecommunications, Mobile Security
Project: UX/UI Design for Device Security Section
Role: UX/UI Designer
Client: Vodafone
Industry: Telecommunications, Mobile Security
Project: UX/UI Design for Device Security Section
Role: UX/UI Designer
UX/UI
The largest mobile operator in Ukraine enhanced its digital platform with a new section to help users manage device security and respond to loss or theft.
Client: Kyivstar (Ukraine’s Largest Mobile Operator)
Industry: Telecommunications and Security
Project: UX/UI Design for Device Security Section
Role: UX/UI Designer
Client: Kyivstar (Ukraine’s Largest Mobile Operator)
Industry: Telecommunications and Security
Project: UX/UI Design for Device Security Section
Role: UX/UI Designer
BRAND DEVELOPMENT
A cryotherapy equipment supplier offering advanced cryogenic solutions for medical and wellness centers. I developed the brand identity, including the logo, visual guidelines, and marketing materials, ensuring a modern and professional look that reflects the company’s innovative and reliable services.
Client: Cryo System Service
Industry: Medical & Wellness Equipment
Project: Brand Identity Design
Role: Brand Designer, Graphic Designer, Consultant
Client: Cryo System Service
Industry: Medical & Wellness Equipment
Project: Brand Identity Design
Role: Brand Designer, Graphic Designer, Consultant
BRAND DEVELOPMENT
A Miami-based law firm needed a bold, standout brand identity that conveyed trust and professionalism, with a flexible system for all communication channels. The goal was to create an image that set the firm apart from competitors.
Client: Shamaev Law Office
Industry: Legal Services
Project: Brand Development, Digital Design
Role: Brand Designer, Consultant
Client: Shamaev Law Office
Industry: Legal Services
Project: Brand Development, Digital Design
Role: Brand Designer, Consultant
UX/UI
A sports betting platform leveraging predictive analytics to deliver data-driven insights. I designed a user-friendly landing page to attract new users and drive engagement with features like betting and predictive tools.
Client: Bond.Bet
Industry: Sports Betting & Predictive Analytics
Project: Landing Page Design
Role: UX/UI Designer, Brand Consultant
Client: Bond.Bet
Industry: Sports Betting & Predictive Analytics
Project: Landing Page Design
Role: UX/UI Designer, Brand Consultant
BRAND DEVELOPMENT
One of Ukraine’s largest law firms provides top-tier legal services to international and domestic clients, operating across Kyiv, Brussels, London, and Washington D.C. I led the development of a cohesive brand identity that reflects leadership and professionalism, ensuring consistency across digital and physical platforms while reinforcing authority in the legal industry.
Client: Asters
Industry: Legal Services
Project: Brand Development and Digital Presence
Role: Brand Designer, Digital Designer, Consultant
Client: Asters
Industry: Legal Services
Project: Brand Development and Digital Presence
Role: Brand Designer, Digital Designer, Consultant
BRAND DEVELOPMENT & UX/UI
A 4th Party Logistics (4PL) company centralizes supply chain management into one platform. I developed its brand identity and designed an informative website to showcase the company’s modern logistics approach, attracting e-commerce businesses and large-scale operations.
Client: 4PL Logistics
Industry: Logistics & Supply Chain
Project: Brand Development and Website Design
Role: Brand and UX/UI Designer
Client: 4PL Logistics
Industry: Logistics & Supply Chain
Project: Brand Development and Website Design
Role: Brand and UX/UI Designer
BRAND DEVELOPMENT
A luxury wedding gown brand blending timeless craftsmanship with modern trends. I redesigned the brand identity to balance tradition with contemporary appeal, attracting both classic and modern brides while ensuring consistent elegance across all touchpoints.
Client: Armonia
Industry: Luxury Fashion
Project: Brand Identity Development
Role: Brand Designer, Consultant
Client: Armonia
Industry: Luxury Fashion
Project: Brand Identity Development
Role: Brand Designer, Consultant
BRAND DEVELOPMENT & UX/UI
A premium water delivery service known for its high-quality drinking water sourced from pristine environments. I developed the brand identity to emphasize purity, trust, and reliability, alongside designing a user-friendly website to streamline the ordering process and enhance customer engagement.
Client: Skandinavia
Industry: Premium Water Delivery
Project: Brand Identity Development and Website Design
Role: Brand Designer, Digital Designer
Client: Skandinavia
Industry: Premium Water Delivery
Project: Brand Identity Development and Website Design
Role: Brand Designer, Digital Designer
BRAND DEVELOPMENT
A power supply company offering reliable energy services. I developed a bold brand identity with digital and print materials to convey energy and innovation across all touchpoints
Client: VOLT
Industry: Energy Supply
Project: Brand Identity, Digital and Print Design
Role: Brand Designer, Consultant
Client: VOLT
Industry: Energy Supply
Project: Brand Identity, Digital and Print Design
Role: Brand Designer, Consultant
BRAND DEVELOPMENT
A composite materials company delivering advanced solutions. I created a distinctive brand identity to reflect innovation and expertise, ensuring consistency across all touchpoints.
Client: AluOne
Industry: Composite Materials Manufacturing
Project: Brand Identity, Digital and Print Design
Role: Brand Designer, Consultant
Client: AluOne
Industry: Composite Materials Manufacturing
Project: Brand Identity, Digital and Print Design
Role: Brand Designer, Consultant
BRAND DEVELOPMENT & UX/UI
A logistics company blending reliability with modern appeal. I developed a cohesive brand identity and UX/UI design, with creative elements like branded paper airplanes enhancing engagement at exhibitions.
Client: Partner Trade
Industry: Logistics and Warehousing
Project: Brand Identity, UX/UI Design, Digital and Print Design
Role: Brand Designer, UX/UI Designer, Consultant
Client: Partner Trade
Industry: Logistics and Warehousing
Project: Brand Identity, UX/UI Design, Digital and Print Design
Role: Brand Designer, UX/UI Designer, Consultant
BRAND DEVELOPMENT
A premium floristics service offering elegant flower arrangements and a refined customer experience. I developed a minimalistic brand identity with packaging and print materials, ensuring the design complements vibrant flowers while establishing Mirum’s presence in the luxury market.
Client: AluOne
Industry: Composite Materials Manufacturing
Project: Brand Identity, Digital and Print Design
Role: Brand Designer, Consultant
Client: AluOne
Industry: Composite Materials Manufacturing
Project: Brand Identity, Digital and Print Design
Role: Brand Designer, Consultant
BRAND DEVELOPMENT
A medical center specializing in non-invasive spinal care and recovery. I developed a recognizable brand identity centered around a stylized spinal section, reinforcing trust and professionalism across patient and digital touchpoints.
Client: Nebolit
Industry: Healthcare
Project: Brand Identity, Interior, and Exterior Design
Role: Brand Designer, Consultant
Client: Nebolit
Industry: Healthcare
Project: Brand Identity, Interior, and Exterior Design
Role: Brand Designer, Consultant
BRAND DEVELOPMENT
A Calgary-based floral atelier offering elegant, minimalist designs. I developed a refined brand identity, emphasizing natural tones and subtle aesthetics to align with the atelier’s sophisticated floral compositions.
Client: Yes, Darling
Industry: Floristry
Project: Brand Identity
Role: Brand Designer, Consultant
Client: Yes, Darling
Industry: Floristry
Project: Brand Identity
Role: Brand Designer, Consultant
BRAND DEVELOPMENT
A construction materials manufacturer committed to blending creativity with functionality. I rebranded NovaPlast with a modern identity built around the slogan “Construction as Art”, positioning the brand as a leader in innovative construction solutions.
Client: NovaPlast
Industry: Construction Materials
Project: Brand Identity, Digital and Print Design
Role: Brand Designer, Consultant
Client: NovaPlast
Industry: Construction Materials
Project: Brand Identity, Digital and Print Design
Role: Brand Designer, Consultant
UX/UI & BRAND DEVELOPMENT
A cashback service offering seamless shopping rewards through an intuitive and engaging platform. I developed the brand identity and UX/UI design to create a vibrant user experience, driving engagement and enhancing customer loyalty
Client: Smartsale
Industry: E-commerce / Cashback Service
Project: Branding and UX/UI Design
Role: UX/UI Designer, Brand Designer
Client: Smartsale
Industry: E-commerce / Cashback Service
Project: Branding and UX/UI Design
Role: UX/UI Designer, Brand Designer