The aim of this project was to create an online banking platform for Nacico Sacco that is easy to use, secure and enables members to conduct their online banking activities efficiently.
Research, Information Architecture, User Flows, Wireframes, Visual Design
December 2020- Jan 2021
We conducted research into the user habits of Kenyans who are the main customer base in regards to internet banking habits. This research would form the basis of our design decisions.
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Based on the research we found we designed the information architecture of the online banking with the aim of making each task easy to find and the overall system easy to understand. In our concept the user can transfer funds,buy airtime, manage cards, pay bills, borrows loans and so much more in less than two clicks.
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We have covered a number of user flows that describe the path taken by an internet banking user to complete a certain task. Each task consists of a user 's entry point , exit point and every they take along the way including errors, exceptions and specific system responses.
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After the user flows had been mapped out we proceeded to create the low fidelity wireframes of the final portal design.
Each section of the dashboard is carefully designed to match the needs of users and also enable the business to achieve its goals.
Based on the research we had done earlier we made the most sought after actions the easiest to make , atleast one click away. These were buying airtime, transferring funds, paying bills, managing cards and borrowing loans
As soon as the user logs in they have the option of checking their account balance, account details and switching from individual account to any associated group or joint account
Most users would like to keep track of their expenses. We designed the dashboard to reflect the recent transactions of a user and generate either full or mini statements
For easy navigation the user can search for anything in the system. A user can also see custom notifications in regards to their account
Each section of the dashboard is carefully designed to match the needs of users and also enable the business to achieve its goals.
Based on the research we had done earlier we made the most sought after actions the easiest to make , atleast one click away. These were buying airtime, transferring funds, paying bills, managing cards and borrowing loans
Users have the option of seeing which loans they owe the sacco and make a repayment directly from the portal
Since the Sacco has a wide range of loan products available to the members, we designed the dashboard to show a member the loans available to them based on some specific criteria and algorithms
Users can also easily keep track of their repayment history as well as loan history.
Each section of the dashboard is carefully designed to match the needs of users and also enable the business to achieve its goals.
Members can open a target savings or fixed account. They can unlock their savings accounts and access their funds directly.
Users of the system will be able to see their share deposit contributions in real time.
Users can transfer shares from one user to another directly
Users can view their dividents directly from their portal and access their dividents whenever the sacco makes them available
We wanted the transfer of funds process to be simple easy and enjoyable. We made one click away and the process short and simple.
Users will be able to transfer funds from their internet banking account to their mobile accounts or other mobile accounts. This will be send directly to MPESA and Airtel Money
Users can top up their Nacico credit cards directly from their portal in addition to managing their cards.
Users can transfer funds from their internet banking accounts to different banks locally.
A Key benefit will be the ability of members to transfer funds to each other directly
Each section of the dashboard is carefully designed to match the needs of users and also enable the business to achieve its goals.
Members can pay bills to their common utilities directly from their account. The most recurring payments can be set to bill automatically
Members can make a standing order directly to a bank account or mobile account. They will also be able to manage their existing standing orders and see their most recent standing orders
A lot of customers usually need help with one issue or another. We made live customer support only a click away. The support is simple to use and works just like a regular chat application. The support is automatically routed to the most appropriate department and whoever is available.
Customer support is live and messages can be answered directly within the app or sent to the customers email if they are not online to talk to support.
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Customers can select help based on different departments or issues that they face.
Customers retain a history of their chats with different support team members. So they can easily refer back to it if they need to.
Customers can talk to support and attach documents directly from within the chat for faster assistance.
A lot of customers usually need help with one issue or another. We made live customer support only a click away. The support is simple to use and works just like a regular chat application. The support is automatically routed to the most appropriate department and whoever is available.
Members can view and edit their next of Kin details . They can see and edit the percentages assigned to each kin member
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Members will be able to add other nacico members as guarantors for their accounts. This will be a digital process that will require the approval of the other party.
Users can change their account details at anytime. This includes their primary email, phone and addresses.
Customers can talk to support and attach documents directly from within the chat for faster assistance.
A lot of customers usually need help with one issue or another. We made live customer support only a click away. The support is simple to use and works just like a regular chat application. The support is automatically routed to the most appropriate department and whoever is available.
Customer support is live and messages can be answered directly within the app or sent to the customers email if they are not online to talk to support.
Customers can select help based on different departments or issues that they face.
This is a calculation of the features , time and cost to build them.
The Total Duration of the project is approximately 4590 hours. With the Standard rate of about Ksh 1000 per hour on the project, distributed among a team of 4 Experienced developers. The estimated time of completion is about 6 Months.
The project should cost about Ksh 4,590,000
Main Feature
Time in Hours
Authorization
480
Card Management
480
Transfers
400
Authorization
150
Savings
350
Bills and Standing Orders
450
Transaction History
220
Push Notifications
120
Loans
480
In app Support
300
Admin dashboard
400
Support and Staff Dashboard
400
Analytics Dashboard
350
Security
400
Quality assurance and Testing
60
Training
50