Methodology
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Time deposit
The need for a study related to DAP arose, because the flow at that time was functional but had some issues both in desktop and mobile usability and some points of improvement of the front end by the system as the overlapping of components.
Time
1 month
Devices
Desktop & mobile
Importance
Inquiring about some KPIs, it was learned that on average in the year 2022 86% were online users. In DAP more than 1900 transactions were generated monthly on average, which translated into a large amount of money for the bank, in that year there was an increase in customer investments, which shows the contribution that this product makes to the bank.
Benchmarks
Due to time and scope, it was decided to perform two benchmarks evaluating direct competition.
No. of banks studied
8Objective 1
Map how the competition addresses this flow at a general level in architecture, prioritization, how information is displayed and what components and visual resources they use.
Objective 2
Study how the competition provides the user with comparative information when simulating between different investment terms and whether these terms are predefined or not.
Evaluation criteria
- 1. Number of steps
- 2. Prioritization and information saturation
- 3. Flow definition, simulation and contracting
- 4. Origin and destination of the product
- 5. Comparison of terms
- 6. Content level
NPS
The NPS status was reviewed to reveal what aspects customers value or dissatisfy, thus guiding improvements directly to what most impacts their satisfaction. Based on feedback indicated by detractors and some liabilities we sought to incorporate the option of renewable WTP to further improve flow, as for those users who wanted to have prolonged investments over time did not have this option available.
Final analysis
1
The competition maintains at least two layers of information, the first with a history of the DAPs in cards with the minimum necessary information and the second layer with the detail.
2
The current account was recently integrated as an option for the origin of the investment to be made. Previously, only a customer with a demand account could make a time deposit.
3
The user is notified by e-mail when the automatic renewal is done and a detailed document with the renewal conditions is sent.
4
In the 3 working days for the withdrawal of the investment the user is enabled the function from the same card in the history.
Designs
After a process of empathizing and defining opportunities for improvement, the entire flow was refreshed, and additional new functionalities were added to further optimize this flow, which was then tested to ensure its usability and implement it for development.
