Jenius Banking App | Designing Three Core User Experiences
Transfers, loan payments, and transfer history are core features of a banking app that are heavily used by users. Responsible for the entire design process of these key features, I started from scratch with no outlined requirements from the product team. Through thorough discovery, meticulous testing, and cross-functional collaboration, I successfully created these paramount flows before the app’s launch, and received positive feedback from users after the fact.
Jenius Banking App | Designing Three Core User Experiences
Transfers, loan payments, and transfer history are core features of a banking app that are heavily used by users. Responsible for the entire design process of these key features, I started from scratch with no outlined requirements from the product team. Through thorough discovery, meticulous testing, and cross-functional collaboration, I successfully created these paramount flows before the app’s launch, and received positive feedback from users after the fact.
Timeline
August 2022 - December 2022
Role
Lead Designer
The Goal
The goal was to design clear, trustworthy transfer and payment experiences that support high-stakes actions and work for users with varying levels of confidence and technical comfort.
My Role
I led and owned the transfers experience end to end, driving discovery, design, and implementation while partnering closely with product and engineering to shape decisions and deliver a high-quality solution.
Identifying our Users
I wanted to better understand who our future users would be. While our target demographic was millennials, research indicated that our earliest adopters would more likely be users taking out loans, skewing slightly older. To account for this, I created user personas representing both demographics to understand their different needs and ensure the transfers experience felt clear, trustworthy, and usable for everyone.
How do we balance ease-of-use and modern design? We needed practical designs that would be easy-to-use for an older demographic, but also modern enough to attract younger users.
How do we balance ease-of-use and modern design? We needed practical designs that would be easy-to-use for an older demographic, but also modern enough to attract younger users.
Making Sense of the Money Maze
The product team was unable to define initial requirements due to open questions around the structure of the experience. There was an active debate about whether transfers, loan payments, and transaction history should live within a single unified feature or exist as separate experiences. Resolving this ambiguity became a key part of the design challenge.
Competative Analysis
Using resources provided by the research team, along with hands-on analysis of my own banking apps, I conducted competitive research to understand common patterns and standards for transfers across the banking space.
My Findings
I found that most banks separated their loan payment feature and transfer/transfer history flows into separate features. But, to confirm that the status quo was actually preferred by users, I partnered with our research team to launch an anonymous survey to get a pulse on user preferences. Most users preferred having the features separated.
Reaching Alignment on the Approach
To increase buy-in from the product owners and to further demonstrate the need for separate features – I created four user journeys and mockups of different scenarios for combining or separating the features. Between the research results and the mockups, I became clear that separating these flows would reduce cognitive load and avoid overwhelming users.
Iteration – A/B Testing Modules
In both the transfers and loan payments features, I had to decide how to best incorporate the “input amount” fields. Inspired by modern fintech apps like Venmo, I liked the aesthetic of having a large input field front and center in the design. This feature felt modern, but easy to use. To ensure that my design instinct aligned with user preferences, I helped conduct a UX research project via an A/B test over UserZoom. It was clear that my initial idea resonated, with over 85% of users preferring the large “input amount” field placed prominently in the design.
Iteration – A/B Testing Modules
In both the transfers and loan payments features, I had to decide how to best incorporate the “input amount” fields. Inspired by modern fintech apps like Venmo, I liked the aesthetic of having a large input field front and center in the design. This feature felt modern, but easy to use. To ensure that my design instinct aligned with user preferences, I helped conduct a UX research project via an A/B test over UserZoom. It was clear that my initial idea resonated, with over 85% of users preferring the large “input amount” field placed prominently in the design.
Creating The Features and Shipping Them for Launch
After discovery, I worked closely with our product and development teams to create three flows for transfers, loan payments, and transfer history, transfers and loan payments both ended up being stand-alone features, with the transfer history flow living within a larger transactions feature. The Jenius Bank app launched in July of 2023 with all three of the workflows I designed as a part of the initial offering.
Creating The Features and Shipping Them for Launch
After discovery, I worked closely with our product and development teams to create three flows for transfers, loan payments, and transfer history, transfers and loan payments both ended up being stand-alone features, with the transfer history flow living within a larger transactions feature. The Jenius Bank app launched in July of 2023 with all three of the workflows I designed as a part of the initial offering.
Conclusion & Further Updates
This project met its core goals by delivering clear, trustworthy transfer and loan payment experiences that scaled across user types and evolved over time. Success was measured by how confidently users could complete transfers and loan payments without intervention — with high completion rates and steady adoption indicating that users were able to move money successfully and independently. In parallel, I helped overhaul and modernize the design system, ensuring these high-usage flows remained functionally consistent while benefiting from a refreshed visual language that shipped in 2025. By December 2025, the Jenius app supported over 200,000 active users and had processed more than 39,000 transfers and 31,000 loan payments, validating the impact of these foundational experiences.
Conclusion & Further Updates
This project met its core goals by delivering clear, trustworthy transfer and loan payment experiences that scaled across user types and evolved over time. Success was measured by how confidently users could complete transfers and loan payments without intervention — with high completion rates and steady adoption indicating that users were able to move money successfully and independently. In parallel, I helped overhaul and modernize the design system, ensuring these high-usage flows remained functionally consistent while benefiting from a refreshed visual language that shipped in 2025. By December of 2025, the Jenius app supported over 200,000 active users and had processed more than 39,000 transfers and 31,000 loan payments, validating the impact of these foundational experiences.
