Modern banking
Created modern banking app for all generations
The Problem
For decades, banking has been a physical, personal experience — one would go in-person to receive banking services and tellers knew customers by name. As this tradition has only been recently broken by the onset of the digital age, many older generations grew accustomed to this hands-on approach, which valued trust and familiarity. However, as time progressed and technology advanced, this tradition became more and more obsolete.
Younger generations, especially millennials and Gen Z, grew up in a world of technology and instant transactions. They prioritized speed, convenience, and accessibility, and banks responded with the provision of automated solutions and online platforms.
While these digital transformations supported the increasing need for efficient solutions, it alienated those who relied on traditional banking. Older generations found themselves struggling with the use of unfamiliar interfaces and missing the human connection they once had.
Now, banks are faced with the critical challenge of how they could bridge the generational banking divide: how can they strike a balance between innovation and accessibility?
Breaking It Down
Proposing a versatile banking app for both younger and older generations is difficult, but not impossible. To break the problem down further, I analyzed the main characteristics of each generation’s preferences. For older generations, at face value, they preferred in-person services. However, taking a closer look, they like the personalized service, social interaction, assistance, security, and reliability. In addition, they’re used to using banking services in-person as it provides them a sense of familiarity and comfort.
On the other hand, at face value, younger generations preferred digital services. At a closer look, they liked the speed, efficiency, convenience, independence, and instantaneity. In addition, despite being so technologically-involved, these younger generations have an unique duality — they grew at the same time the digital age grew. While millennials and Gen Z prefer to use banking services digitally these days, they still respect the need and use in-person banking services, just like older generations.
User Personas
Solutions
A versatile banking app for both younger and older generations needs a simple user interface and tailored features. For younger users, the app would offer personalization options like widget customization. For older users, the app would include a default customization option and a voice option for the AI to cater to their inclination for calls over texting. Common features encompass 24/7 customer support for complex issues and an investment option to cater to diverse financial needs.
For younger users, the app caters them with an aesthetic UI, support and partnership with popular brands and services, instantaneous transactions, dark mode, and an AI feature to match with the growing popularity of AI services. Similarly, older users are catered to with the simple UI and UX, a voice option for the AI, easy-to-use investment options, and a real customer service agent option accessible through text and voice from the AI.

Choosing the Branding

The Final Results (For Now):
Light Mode
Dark Mode
Past Version
To showcase my improvement from previous designs, this is the previous design of my case study. The current final results are a new iteration.
