ABBANK
A whole new digital experience where ABBANK employees can open an overdraft loan account as fast and simple as possible
UX Research, Product Design
Discipline
Timeline
8 weeks
Deliverables
Tools
Figma
User Research, Wireframes, User Interface
✨ Product Vision
🚀 Deliver a fast, convenient, user-friendly online overdraft account opening experience for ABBANK employees and customers 🚀
📌 Market Analysis
We noted that Overdraft Loan feature in other banks has some notable function that satisfies most of its users:
Term loan: VP Bank
Loan’s limit adjustment ( < granted limit): TP Bank, VietinBank, VP Bank
Monthly repayment date: VietinBank
Interest calculation: VIB, ACB
➡️ ABBANKs’ opportunities:
Creates all-online experience where users can open an account and activate their overdraft feature within minutes
Integrates real-time financial management tools that help monitor spending and mitigate the risks of excessive borrowing
👨🏻💻 User Research
SURVEY - 429 PARTICIPANTS
We noted that:
40% ABBANKers don’t know about online overdraft loan
Employees are mostly interested in fast loan disbursement process, and competitive interest rate
INTERVIEW - 15 PARTICIPANTS
We interviewed 15 ABBANKers and found that the employees want control over their lending journeys and habits regarding to overdraft loan.
🔑 Synthesis
💡 The core insight is that digital banking still falls short of delivering true convenience and confidence—users lack real‑time visibility and guidance, making online services feel less valuable and driving them back to branch visits.
AFFINITY MAPPING
To consolidate findings, we conducted an affinity map to steer in a specific problem space. We focused on drawing out salient employees habits and bucketing insights into different topics to see areas they want help with.
➡️ Thus, we drew out these four points.
How Might We… create for users a seamless overdraft onboarding experience & help they better understand + manage their lending journey?
💡 Solutions
01
💁🏻♀️ Display the credit limit on the app and notify the user via banners, push notifications, etc.
03
🚀 Instant disbursement limit
02
📱 Open an overdraft loan account 100% online with no additional paperwork required
04
⭐️ Provide comprehensive information on the product, loan agreement, and interest calculation details
✏️ Wireframes
Sketch #1: Onboarding Journey 🛵
Streamline as many unnecessary steps as possible with a clean, intuitive interface that’s easy for users to understand
Sketch #2: Limit Adjustment 👩🏻🔧
Conveniently update your limit without ever stepping into a bank branch
Core Experiences
🧩 Design System
PRIMARY COLORS
ABBANK’s unique ✨ teal ✨
ICONS + ILLUSTRATIONS
Every icon & illustration emphasize a meaningful story 📖
TYPEFACES
SF Pro 🤝🏻 ABBANK for titles and body texts
🚀 Final Design
PAPERLESS & CONTACTLESS
ONBOARDING JOURNEY 🛵
Running low? We've got your back. ⚡ Open your overdraft loan account in minutes — no paperwork, no stress, just instant access when you need it most.
QUICK & EASY
LOAN’S LIMIT ADJUSTMENT 👩🏻🔧
Need a little extra on top of your current loan? 💳 Whether it’s for growing your business or grabbing that dream Prada bag, boost your loan limit in just a few taps — fast, paperless, and worry-free.
ANYTIME, ANYWHERE
LOAN SETTLEMENT
Time to say goodbye to your loan? 💼 Whether you're wrapping things up early or right on schedule, settle your loan in just a few taps - anytime, anywhere
Wishes
Learnings
Next Project
More user testings
Kinda wish we had more time to dive into user testing 🧪👀 — it would've helped us see how real employees actually experience the overdraft loan feature 💸. With more insights, we could’ve shaped something even smoother, smarter, and more in tune with what they really need 🙌
With the beautiful and talented Savings & Lending team 💅🏻✨
A Shift in Mindset: Designing Beyond the Screen
Learning to think and design within a product ecosystem was a whole mindset shift 🌐💡. On past projects, I mostly focused on solving one user problem at a time — but in a bigger system, every decision touches other teams, features, and even business goals. This time, I had to zoom out and ask: does this add value not just for the user, but for the product as a whole? Is it feasible? Is it aligned? Working with all roles from Senior Product Designers to Business Analysts and Product Owners from ABBANK also pushed us to match visual consistency and elevate our designs to feel like they truly belonged
Designing everyday banking journey for bankers has its own challenges
Designing the overdraft loan journey for bankers came with its own set of hurdles 💼💳. It’s not just about giving employees access to extra funds — it’s about making sure bankers can manage those requests quickly, accurately, and confidently, all within their already-packed workflow 🧠⚡. We had to think about everything from risk flags and approval steps to making the experience feel smooth, not overwhelming. Honestly, the small stuff — like how info is displayed or when alerts pop up — made a huge difference