Reimagining the future of banking.

During my first months at Bankinter, I was lucky to be able to collaborate within the innovation department of the bank and Hanzo to understand and conceptualize a new model of banking created for users who ask more.

Understanding what are new users asking us.

Making some research and interview we could understand the profile and main needs of a new kind of user: young and digital people asking for a banking service aligned with the digital services that they use daily. 
Mainly, we confirmed that we should create a new mobile banking service as an answer to the following requests:

• Simplify my financial life

• Help me to save and make some financial decisions easier

• Give me customized services, just for me and 100% mobile

Revenues and expenses are simplified.

Am I going to make ends meet?, Do I have enough money to buy this? or What the h*#$ is this expense? are some of the more common user’s questions when they talk about their financial life. To give a quick answer to that, we show the main number in our dashboard, telling you how much money do you have to make ends meet and a big linear graph to easily see if you have some big or unexpected expense.

Discover your possibilities.

To buy or not to buy, that is the question. Our smart predictions help you to make the right decision and understand better if you should buy, save for a while, or, maybe, apply for credit and pay it easily. If finally, you decide to buy, you can do it directly from Finhelp, using our great integration with Amazon product catalog.

Your voice is your command… bar.

Forget infinite menus, options and advanced search. Do you want to make a transfer? Just ask our smart assistant. Do you want to check your light costs in the last year? Ask again or use our command bar shortcuts to find it quickly. Easy peasy, right?

Save money, choose your own way.

Talking with users, we realized that people save in two modes: one, with a goal (a trip, a new smartphone, that amazing bike,…), or two, just in case (there is always the possibility of an unexpected event). 

So we applied the same model that we use to predict the best moment to buy something to recommend you the best way to save money. You can choose one of the two modes (or both) and answer a couple of questions to save effortlessly with the best option for you: recurring daily, rounding up monthly, or rounding up your purchases.

You’ll never walk alone.

Everything that you should know, you’ll know, but just that. We designed a smart notifications system to help you realize any strange expense, follow your saving goal or know when it’s the perfect moment to buy that thing you wanted the past month. No noise, no ads, just useful info.

Focus on solving customer’s problems rather than selling them a product.

The current goal of Banking today should be to help people to manage their money in the most convenient and easy ways possible. To achieve it, we have to, first, understand their real needs and, second, to move faster, be bold and learn to reimagine all kind of experiences across all categories, from savings and investments, to insurance and mortgage switching.