TDECU: DIGITAL BANKING:
Guiding Members into the Digital Future
PROBLEM
TDECU, a rapidly growing credit union in Lake Jackson, Texas, needed to provide its members with mobile access to their banking services for the first time. Without an existing app, they sought a seamless, branded, and fully functional mobile banking experience that could enhance user convenience while maintaining security and reliability. Additionally, as a new and significant client for Kony, this project served as a key opportunity to demonstrate the capabilities of the Kony Banking App template as a foundation for scalable digital banking solutions.
goal
To design and develop TDECU’s first mobile banking app, ensuring an intuitive user experience while leveraging the Kony Banking App template. The objective was to create a cohesive, branded experience that aligned with TDECU’s needs, providing essential banking features with a focus on usability, accessibility, and security.
role
As the UI/UX Designer, I worked closely with both the TDECU team and Kony over the course of a year to tailor the Kony Banking App to TDECU’s unique brand and functional requirements. My contributions included refining user flows, optimizing the interface for usability, and ensuring a consistent visual identity that aligned with the credit union’s branding while delivering a seamless digital banking experience.
KEY RESPONSIBILITIES
Customizing UX Components
Utilizing Kony’s pre-built UX components, I tailored the app to meet TDECU’s specific services and client needs.
Client-Developer Liaison
Acted as the bridge between TDECU and the Kony development team, attending onsite meetings, gathering client feedback and ensuring clear communication.
Brand Integration
Reskinned all app components to align with TDECU’s brand standards, ensuring a cohesive and recognizable user experience.
Cross-Platform Optimization
Worked directly with the development team to ensure the app’s visual elements and functionality were consistent across all devices and platforms.
This is a sample of the ACH Transfer workflow, showcasing how processes were designed and documented. Similar workflows were created for all features in the app, ensuring each scenario—whether success or error—was accounted for with detailed messaging and user flows.
Close-up: For each feature, different workflows were created to support both personal and business accounts. Even when the screens appeared identical to users, it was necessary to document the specific requirements for each account type.
This is a sample of the app’s error and satisfaction scenarios, showcasing how different user outcomes were designed and documented. Similar considerations were applied across the app, ensuring clear messaging and intuitive flows for both successful transactions and error handling.
SOME OF THE FEATURES I DEVELOPED
ENROLLMENT
Guided users through the onboarding process, including setting up passwords, security questions, and verifying identity for secure access to online banking.
PAY BILLS
Allowed users to enroll in bill payment services, set up default payment accounts, add payees, and schedule recurring payments for convenience.
ADDING ACCOUNTS
Allowed users to link local and international accounts, making transfers faster and more convenient.
LOAN REMITTANCE
Developed a feature for users to manage loan payments, enabling easy scheduling and tracking of payments.
AUTHENTICATION
Enabled alternate login methods such as Face ID, Touch ID, and PIN login, along with the ability to update usernames for a secure authentication experience.
tRANSFERS
Developed a streamlined transfer feature, enabling users to move funds between their own accounts or send money to external accounts.
MANAGE PAYEES
Enabled users to add, edit, and remove payees, ensuring a simple and organized way to manage payment recipients.
ACCOUNT MANAGEMENT
Enabled users to check account balances, review transaction history, and manage account details
ACH TRANSFERS
Implemented ACH transfers for both personal and business accounts, allowing users to send and receive payments securely.
WIRE TRANSFERS
Supported domestic and international wire transfers, ensuring a secure and efficient way to send money across different regions.
Web Design Phase
Once the mobile app design was completed, the focus shifted to designing a web-based banking experience utilizing the Kony Web Banking Solution. Everything designed for mobile was adapted for web use, ensuring consistency across platforms while optimizing for larger screens. My responsibilties included:
Responsive Design
Optimized mobile layouts for the web platform, ensuring a seamless user experience across desktop and tablet screens. Adjusted typography, spacing, and interactive elements to enhance readability and usability on larger displays.
Feature Adaptation
Refined mobile functionalities for web compatibility, restructuring workflows to suit desktop interactions. Modified navigation, input methods, and layouts to align with web usability standards.
We successfully launched TDECU’s first-ever app and web banking platform, providing members with modern, reliable ways to manage their finances and marking a big success for both TDECU and Kony.
Feature Adaptation
Ensured that the web interface maintained the same intuitive and accessible design principles established during the mobile phase.
For Wire Transfers, detailed scenarios were developed to support both domestic and international transfers. This included workflows like adding accounts or making transfers, ensuring each process addressed the unique requirements of both types of transfers.
This is a sample of the Wire Transfer workflow for the web version, showcasing how processes were documented. Similar workflows were developed for all features.
All screens for Wire Transfers, and all other app features, were designed to account for both error and success scenarios. This included handling cases like incorrect account details, invalid routing numbers, and other potential issues to ensure a seamless user experience.