Overview

Bank of Maldives is the Maldives' leading financial institution, offering a full range of personal, business, and corporate financial services used daily by hundreds of thousands of customers.
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Pomelo had been working with Bank of Maldives for a number of years when the opportunity came up to help the bank update their consumer banking experience to give their banking app a more modern feel.

Problem statement

Simplify the consumer banking experience by developing a cohesive platform that allows users to perform banking transactions seamlessly.

Responsibility

Collaborated with multiple stakeholders to lead the design process from initial concept to delivery.
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Background

The Bank of Maldives previously offered two separate apps: Internet Banking, which allowed customers to manage accounts, check balances, track transactions, download statements, and transfer funds anytime, anywhere; and Mobile Pay, a digital wallet for in-person payments via QR code or NFC, paying credit cards or loans, and sending money to others.

Research

While visiting the Maldives, I met with the Head of Digital Banking, Marketing, Personal & Business Banking, and Support, who shared their insights on various aspects such as the current functionality of their apps, customer feedback gathered by call centre staff, complaints received from customers on social media, and suggestions on how to group app features in a simple and understandable manner.

Goal

The goal is to unify the two services and provide customers with a seamless banking experience, eliminating the need to download two separate apps. This would enable customers to conduct simple banking services without needing to visit a branch or contact support, and encourage mobile pay usage with the customer banking app.
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Unify services 🤲

Remove the need for customers to download two separate apps and have one unified banking experience.

Self service banking 🛎️

Reduce the need for customers to visit a branch or contact support to complete simple banking services.

Increase mobile pay usage 📈

Encourage users to complete transactions by using the mobile pay options with the customer banking app.

Solution

Use the app to check account balance, to make transfers, view account history and more. The app is broken down into Wallet, Accounts, Transfers and Banking services.

Wallet

Allows customers to pay for purchases anywhere or to send money to anyone. All customers have to do is select a card to pay with or set a card as their default card and they will be able to complete a payment with a few taps.

Mobile Pay

Customers have a range of ways to complete payment within the app from scanning a QR code, tapping their phone on a merchants card reader to generating a QR code for a merchant to scan.

Accounts & balances

Customers can view their account statement, balance, move money between accounts, track transactions, pay for credit cards or loans, all in one place.

Transfers

Transfer money, move money between your accounts, send money to someone else with an account with BML account and any other local bank or overseas.

Banking services

Open additional accounts, apply for debit or credit cards, apply for Lui loans, update your personal information and set or change your PIN.

Project reflection

This project was a great experience as it involved taking years of user feedback gathered from the call centres and social media to help streamline the customers daily banking and payments experience.

During this project, I was able to dive deep into understanding the core flows of an issuing product. As this project was very exciting I felt myself working faster than I needed to. It would have been great to take a step back and carry out more user testing along the way. However, the insight that the customer service and marketing team was able to provide was very influential throughout the project.

Unifying the consumer banking experience

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