Making a digital banking strategy tangible

Role
Lead Product Designer
Industry
Retail & Business Banking
Disciplines
Digital Strategy
Prototyping
Storytelling
Timeline
30 days

Three customers, one future-facing bank

A 30-day proposal for a major retail and business bank. We brought its three-horizon digital strategy to life through working prototypes and a board-ready narrative, showing how youth, everyday and business banking could look and feel.

A young customer smiling outdoors
Aisling · Youth

Her first account, with her mum alongside, grows into a space that's fully her own.

A smiling customer resting her chin on her hand
Ciara · Everyday

From her first job to buying a car and a home, her bank keeps pace with her.

A smiling business owner in glasses
Páraic · Business

Fast loans, simpler payments and AI insights as his business expands abroad.

Challenge

From strategy to customer experience

The bank had a clear vision for its digital future, but it was still a roadmap. Leadership needed to show what that future would look like for customers, and build a compelling case for it in just one month.

The challenge was to bring a multi-year strategy to life through real customer experiences, giving the board something tangible to explore, evaluate and invest in.

Approach

Three customers, three horizons each

We translated the strategy into three customer journeys: a young saver gaining independence, an everyday customer facing major life decisions, and a sole trader growing a business. Each followed the same customer across all three horizons.

Horizon 1Now
Digital foundations Fast, secure access and seamless everyday banking.
Horizon 2+2 years
Automation and efficiency Connected, personalised services that remove manual work.
Horizon 3+5 years
Hyper-personalisation AI that anticipates needs and acts on the customer’s behalf.
YouthAisling
First account, with her mum as guardian
Full control, with instant fraud alerts
Round-ups that give back to causes
EverydayCiara
Spending insights and savings goals
All accounts and bills in one view
Advisor by voice and a home-buying hub
BusinessPáraic
One business hub, biometric sign-in
Pre-filled loans and synced bulk payments
Multi-currency accounts and AI market insights
From digital foundations to hyper-personalisation.
Experience

Three journeys through the future of banking

Three clickable prototypes, each following one customer through the 3 horizons, showed how the experience could evolve alongside their life rather than as three separate snapshots of the bank.

Youth · Aisling

From a first account with her mum as guardian to managing her own money and rounding up to support causes she cares about.

Aisling using her banking app outside a modern building

Everyday · Ciara

From her first job to saving for a car and buying a home, with spending insights, goals and personalised guidance for big decisions.

Ciara checking tailored offers on her phone at home

Business · Páraic

From a streamlined business hub to faster lending, connected accounting and international growth supported by AI.

Páraic smiling in a meeting at his office Business banking dashboard with multi-currency accounts, FX management and AI market insights

A digital strategy brought to life

In 30 days, a multi-year roadmap became a board-ready proposal, giving leadership a concrete way to explore the direction and see how it would translate into youth, everyday and business banking.

30 days

From brief to final presentation.

3

Clickable prototypes, each spanning all three horizons.

200+

Exploration frames across the three banking segments.