Cembra Money Bank

Cembra Money Bank is a Swiss credit institution that asked us to help them improve their instant credit card onboarding. Our mission was to enhance their existing digital onboarding flow with a focus on increasing conversions and successful credit card applications, and also on making the process more appealing and user-friendly at the same time.

Challenge

Overcoming Onboarding Flow Obstacles with a Scalable Solution

Cembra faced a significant challenge due to high drop-out rates in their onboarding process. The issue was primarily attributed to both UX and UI problems, as well as technical limitations and specific requirements in terms of internal compliance and risk. We knew we had to come up with a comprehensive solution that not only addressed these pain points but also met the unique requirements of different partners, while still maintaining consistent branding elements. Additionally, the solution needed to be easily scalable with regard to future expansion, so allowing for the seamless accommodation of more retail partners.

Client

Cembra

Services

Prototyping, Wireflow, Wireframe, Prodcut Design, UX/UI Design, User Research, Customer Insights, UX Audit

Date

2023

Project link

Approach

Data and Insight-Driven Approach

Our focus – using the findings from our audit and the user tests – was on optimizing the Customer Journey and eliminating pain points. Utilizing Figma, we designed wireframes and a wireflow, so as to visualize the optimal user experience. In this process, among other things, we streamlined waiting screens and redefined question pairings for greater intuitiveness. We also focused on customer-centric text adaptations to make the flow easier to understand and more engaging.

wireframes designed by ennostudio for migros bank showing a customer interaction
simulation fs a mobile phone audit made by ennostudio for cembra banking

Design Audit

The compass that leads us to a successful onboarding flow

While auditing we focused on the journey’s logical flow to ensure the path feels intuitive and that the content is clustered correctly and harmoniously. We also check that users know what to expect next so they can navigate with confidence, especially when being guided to 3rd party services.ย 

Special focus is placed on UI elements that are needed when guiding users like CTA, forms and input fields, as well as visual supports like illustrations and icons. Our goal is to align every interaction with the well-established UX patterns that users have come to expect, while also ensuring they have a comfortable experience at the same time, particularly with regard to accessibility and usability standards.ย 

Last but not least, we check content and messaging to make sure the language is clear, comprehensive and to the point while also meeting user needs.ย 

simulation fs a mobile phone audit made by ennostudio for cembra banking

Design Audit

The compass that leads us to a successful onboarding flow

While auditing we focused on the journey’s logical flow to ensure the path feels intuitive and that the content is clustered correctly and harmoniously. We also check that users know what to expect next so they can navigate with confidence, especially when being guided to 3rd party services.ย 

Special focus is placed on UI elements that are needed when guiding users like CTA, forms and input fields, as well as visual supports like illustrations and icons. Our goal is to align every interaction with the well-established UX patterns that users have come to expect, while also ensuring they have a comfortable experience at the same time, particularly with regard to accessibility and usability standards.ย 

Last but not least, we check content and messaging to make sure the language is clear, comprehensive and to the point while also meeting user needs.ย 

Creative Process

Eliminating Pain Points and Optimizing Wireflow

Our focus – using findings from our audit and the user tests – was on optimizing the Customer Journey and eliminating pain points. Utilizing Figma, we designed wireframes and a wireflow, so as to visualize the optimal user experience. In this process, among other things, we streamlined waiting screens and redefined question pairings for greater intuitiveness. We also focused on customer-centric text adaptations to make the flow easier to understand and more engaging.

Creative Process

Eliminating Pain Points and Optimizing Wireflow

Our focus – using findings from our audit and the user tests – was on optimizing the Customer Journey and eliminating pain points. Utilizing Figma, we designed wireframes and a wireflow, so as to visualize the optimal user experience. In this process, among other things, we streamlined waiting screens and redefined question pairings for greater intuitiveness. We also focused on customer-centric text adaptations to make the flow easier to understand and more engaging.

wireframes designed by ennostudio for migros bank showing a customer interaction

Product Strategy

Enhancing User Experience and Interface

With the optimized wireflow as a foundation, we focused on concrete improvements to the UX and UI. We changed the progress bar for better guidance and included interactive tool tips and step-by-step explanations for user support. We also introduced eye-catching illustrations and icons for added visual appeal. In addition, our team refreshed the interface design and implemented branding elements specifically tailored to retail partners and seamlessly fitting into the white label solution.

cembra product design navigation detail

Colors

#004d8c

#80b03a

#848484

#dddddd

#ffffff

Font

Vista Sans OT

A ร B C D E ร‰ F G H I ร J K L M N O ร“ ร– ล P Q R S T U รš รœ ลฐ V W X Y Z

a รก b c d e รฉ f g h i รญ j k l m n o รณ รถ ล‘ p q r s t u รบ รผ ลฑ v w x y z 1 2 3 4 5 6 7 8 9 0

Aa

Light

Aa

Regular

Aa

Bold

The little prince went to see the roses again: "You are not at all like my rose, you are nothing yet", he said to them. No one has tamed you and you have tamed no one. You are like my fox was. It was only a fox like a hundred thousand others. But I have made him my friend, and he is now unique in the world."

Learnings

Elevating Conversions with Seamless Onboarding Experience

We created a highly optimized, visually appealing, and user-centric onboarding flow that significantly improved conversions and reduced drop-out rates. By addressing the UX and UI issues, we created a seamless journey for applicants, guiding them effortlessly through each step of the process.

cembra mockups designed by ennostudio for migros bank showing a customer interaction

Some of our work

Check out our portfolio.

Some of the memorable experiences that we already created together with our clients.

Coming Soon!

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