OVERVIEW

A platform for a 360° view of your borrowers

The product was derived from a problem experienced by lenders. Monitoring a bank’s loan portfolio is a cumbersome and time consuming. As well as information about the underlying borrower being unstructured and spread across multiple systems (core banking systems, third party workflow systems, and email attachments).

The Oak North Credit Intelligence (ONCI) is based on the premise 'lend smarter, lend faster, lend more'. ONCI allows users to run multiple macroeconomic scenarios across their entire commercial loan book, change the parameters and run them again instantly. The forward-looking industry forecasts give the users a view of performance and risk migration across their portfolio and down to the individual borrower level.
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DISCOVER

The discovery phase began with a current audit of the MVP, taking onboard feedback from key stakeholders to see where the current product was not hitting the mark in terms of data and user experience. This was then followed up by conducting user interviews to gather first hand feedback and help establish running themes.

The design process commenced with an extensive study involving 52 individuals aged between 23 and 63. Which was followed by in-depth 1:1 interviews with an additional 12 participants, complemented by a thorough analysis of the MVP. The primary objective was to find out requirements from users and stakeholders in order to devise strategies to simplify their tasks by proactively alerting them to high-risk elements within their portfolios. After the initial phase of user research was completed, a hypothesis was formulated and prototypes were developed through iterative cycles of user testing and enhancement. This approach facilitated the creation of a product tailored to offer users optimal monitoring tools for their loan portfolios.

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DEFINE

After conducting user interviews, all participant responses were categorised using an affinity map to identity high-level themes and opportunities as well as specific pain points that could be improved upon, which resulted in a prioritised feature list.

Analysis revealed that there was an opportunity to design a product centered around monitoring a users portfolio and allowing them to receive notifications when certain conditions were met. User personas were created based on the collected data to guide the decision-making process and ensure that the product focused on solving specific user pain points, and meeting their requirements.

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IDEATE

The ideation phase began with a white board exercise with key stakeholders to decide what was needed on each page from a technical standpoint. Following on from this rough sketches and wireframes were created.

After the rough sketches and wireframes, a simple user flow and low-fidelity prototypes were created to start user testing. Next a usability study was conducted to identify specific areas throughout the task flow where improvements or changes needed to be made. This test identified new ideas to further satisfy user's needs, expectations and desires when using the product.

REFINE

After implementing the changes and improvements that were needed on the low-fidelity prototype, an additional round of usability testing was conducted to solidify the flow and screen layouts before beginning to create the high-fidelity prototype.

Before starting on the high-fidelity screens, a new visual identity was created to give the product a unique look and feel which helped resonate with users. Drawing inspiration from the new identity, the UI design embraces a clean and minimal look and feel that focuses on creating a refined, customer-centric experience. To co-inside with the new UI, a design system was created that used the atomic principles.

DESIGN SYSTEM

As design system lead, my goal was to ensure that the design system helped us create a consistent experience. The design system was created to help continue and evolve the platform, whilst also prompting the team to ask questions and forcing them to build a systematic UI, one that follows rules and stylistic structures.
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The goal was to build a design system within Figma, that established a cohesive and consistent visual language across all of the products within the platform (Scenarios, Monitoring and Climate). This was achieved by creating a centralised repository of reusable components, styles and guidelines. The design system aimed to streamline the collaboration process across the Product Design Team, Developers and Marketing to enhance productivity and maintain brand integrity across the platform.

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solution

Industry software that provides a granular 360° view of all commercial borrowers, using continuous monitoring and a forward-looking view of risk.
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Problems solved

Allowed users to step away from using several pieces of software
Created a strategic plan to launch an MVP
Decreased losses resulting in more capital available for lending
Users can identify risk quicker

Oaknorth

A fintech platform designed out of need for forward looking analysis to aid investment and credit decisions for the financial industry.

A platform for a 360° view of your borrowers

Let's Create Memorable
Experiences Together.

A platform for a 360° view of your borrowers

Let's Create MemorableExperiences Together.

Let's Create Memorable
Experiences Together.