A new banking experience.
Bankinter Lab / Fintech / B2C
During my first months at Bankinter, I was lucky to be able to collaborate with the innovation department of the bank and Hanzo to understand and conceptualise a new model of banking created for users who ask more.
The story —
Understanding the Next-Gen Banking user.
Through research and user interviews, we identified a new type of banking customer—young, digital-first users seeking a financial service that aligns with the seamless digital experiences they use every day.
Our findings confirmed the need to develop a new mobile banking service that addresses three key user demands:
Simplify my financial life – Reduce complexity and streamline everyday banking.
Help me save and make financial decisions easier – Offer smart tools for better money management.
Provide customised services, just for me and 100% mobile – Deliver a personalised and fully mobile-first experience.
The idea —
Your money, your rules.
Questions like "Will I make ends meet?", "Do I have enough to buy this?", or "What the h#$ is this expense?"* are among the most common concerns users have about their finances.
To provide quick, clear answers, we designed our dashboard to highlight the most important number—how much money is available to cover expenses. Additionally, we introduced a large linear graph, allowing users to instantly spot big or unexpected expenses, making financial oversight simpler and more intuitive.
Discover your possibilities.
To buy or not to buy? That’s the question. Our smart predictions help you make the right financial decision—whether to purchase now, save a bit longer, or consider credit with an easy repayment plan.
And if you decide to go for it, you can buy directly from Finhelp, thanks to our seamless integration with Amazon’s product catalog—making the process faster, smoother, and smarter.
Banking, just ask
Forget endless menus and complicated searches. Need to make a transfer? Just ask our smart assistant. Want to check your electricity costs over the past year? Ask again or use our command bar shortcuts to find it instantly.
No clutter, no hassle—just effortless banking at your fingertips. Easy peasy, right?
Save for what you want (or what you might need).
Through user research, we discovered that people save in two ways:
With a goal – a trip, a new smartphone, that dream bike…
Just in case – preparing for unexpected expenses.
We applied the same predictive model we use for smart purchases to recommend the best way to save. Users can select one or both saving modes, answer a few quick questions, and let Finhelp do the rest—whether through daily recurring deposits, monthly round-ups, or rounding up purchases for effortless saving.
Smart notifications: Only what matters.
You'll know everything you need to know: nothing more, nothing less.
We designed a smart notification system that keeps you informed about unusual expenses, your savings progress, and the perfect moment to buy that item you've been eyeing.
No noise, no ads. Just useful, timely insights to help you stay in control.
Lessons Learned —
Focus on solving customer’s problems rather than selling them a product.
The future of banking isn’t just about transactions—it’s about helping people manage their money in the easiest, most convenient way possible.
To achieve this, we must first deeply understand users' real needs. Then, we need to move fast, think boldly, and reimagine financial experiences across the board—from savings and investments to insurance and mortgage switching.
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