Deposit Core
Case study · Digital Deposit ModulePre-launch

From 18 minutes of branch paperwork to six on mobile

Redesigning Certificates of Deposit and Term
Deposits from rigid branch processes into a
guided, high-conversion digital journey.

View prototype

UX Lead · FinTech & Regulated UX · iOS & Android

Prototype and interview results from validation, before launch. Not production data.

02 · The challenge

Built to handle
complexity

Stakeholders from traditional banking backgrounds favored risk-averse branch structures, assuming dense verification steps would build security and trust. Modern customers expected the opposite: frictionless money growth with zero banking jargon.

8-screen booking

Replicated rigid branch paperwork, forcing a separate screen for every step.

Guided 3-step journey

Three progressive steps with a continuous progress tracker, then one confirmation screen: 4 screens instead of 8.

25+ entry fields

Exposed internal database attributes directly to the user’s front-end forms.

12 smart parameters

Automated backend default values and progressive inputs to reduce form fields by 52%.

Dense legal blocks

Placed massive legal texts upfront with mandatory timers, causing early cognitive blockages.

Progressive agreement

Moved terms to the final summary step using clear checklists and collapsible helper panels.

Unclear terminology

Displayed complex financial abbreviations (CD/TD) directly without guidelines.

Contextual education

Embedded tooltips and comparison drawers directly inside the active booking flow.

Users needed education embedded in the experience, not just forms to fill out. Stakeholders needed confidence that simplicity didn’t mean compliance risk. Our design had to build trust for both audiences simultaneously.

03 · Service integration

Ecosystem
integration nodes

How the module sits inside the wider banking app. Two of the four touchpoints are future concepts, marked as such.

Mobile client container

Hosts the progressive booking screens. Orchestrates device layout scaling and secure local session handling.

Future concept

Smartwatch prompts

Would provide maturity reminders and rate-change alerts, with one-tap renewal approval. Not in the delivered scope.

Future concept

Voice AI assistant

Would answer voice queries for rate lookups and support visually impaired users. Not in the delivered scope.

Compliance audit engine

Maintains continuous audit logging of progressive agreement checklists. Ensures strict regulatory compliance.

Deposit Core

Booking module for Certificates & Term Deposits

iOSAndroidCD · TD
04 · Interactive simulator

Live booking
simulator

We structured the flow into a guided, 3-step experience with a live preview, turning complex forms into interactive learning. Try it.

Rates in this prototype are illustrative.

Book a Deposit
Step 1 of 3 · Guided setup
Deposit 2,500 EGP or more to boost interest to 6.0%.
EGP

Duration (tenure)
Interest payout destination
Verification review
    Compliance disclosures
    1. Early termination penalty

    Withdrawing funds prior to maturity date incurs penalties up to 50% of accrued interest yields.

    2. Automatic renewal

    At term end, this deposit will automatically renew for the same tenure at the then-current yield rates unless explicitly cancelled.

    3. State guarantee

    Protected up to 500,000 EGP under State compliance protection rules.

    Yield rate6.00% p.a.
    Est. earnings+37.50 EGP
    At maturity2,537.50

    Booking successful

    Your deposit has been booked successfully under automated compliance oversight.

      05 · Validation results

      Validation metrics
      & process

      Measured with clickable prototypes, stakeholder role-play and user interviews before launch. These are validation results, not production data.

      −50%

      Flow friction

      Cut booking from 8 screens to 4: three guided steps and a confirmation screen.

      −52%

      Data redundancy

      Decreased form fields from 25+ down to 12 using smart backend automation defaults.

      8/10

      Interviewees understood it

      8 of 10 interviewees said “I understood what I was doing” after using the guided flow.

      How we got there, in three phases

      1. Phase 1

        Co-mapping alignment exercise

        Brought stakeholders, regulatory compliance officers and designers into a unified work group. Together, we analyzed branch forms and removed backend fields that added zero value to customers.

      2. Phase 2

        Rapid timed prototyping role-play

        Built functional prototypes of the branch digitizer vs. the guided experience. Average setup times plummeted from 18 minutes down to 6 minutes, securing universal executive approval.

      3. Phase 3

        Legal clearance audits

        Demonstrated to legal auditors that progressive disclosures build higher trust indexes than massive upfront disclaimer boxes.

      06 · Feature component spec

      Atomic component
      specification

      An interactive playground showcasing the atomic UI elements designed specifically to streamline the deposit booking journey.

      Selector

      Deposit tenure selector

      Click chips to check active states and simulated base interest rates for each tenure.

      Cards

      Interest payout cards

      Switch cards to test side-by-side preferences and contextual micro-copy.

      Compliance

      Progressive compliance & audits

      See how progressive legal disclosures protect audit compliance while minimizing scroll clutter.

      Pending agreement · Transaction blocked

      Checking the box updates the audit status, demonstrating transaction validation security.

      Thankyou

      Let’s build something
      people trust

      Regulated flows, complex products and the stakeholders behind them. That’s the work I like most.

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