Scaling an Account-Centric Home into a Multi-Product Financial Platform

DOA began as a digital wallet that received refunds from returned bottles. DOA Finance expanded this model into a broader financial platform (BaaS), but its single-account home could not support the upcoming product roadmap.

​

I led the product and experience direction for a modular home designed to scale across new accounts, cards, and financing products.

ROLE

Lead Product Designer

DOMAIN

Fintech

DURATION

3 Months

TEAM

PM, PA, UXR, Marketing

Impact

Supported DOA Finance’s rapid growth after launch.

In the first 24 days after launch, DOA Finance acquired 17.5K users while daily participation-account adoption and money-transfer activity increased significantly compared with the February–June baseline.

17.5K

New users acquired within

the first 24 days

19.7x

Increase in daily distinct

saving-account users

8.8x

Increase in daily

money transfers

Challenge

DOA Finance was evolving into a multi-product financial platform. However, its existing homepage was not designed to support this transition, creating business, product, and user challenges

Why This is Concerning?

  • User Experience Friction: Users needed fast access to everyday banking tasks, but unclear account information and buried actions added unnecessary friction.

​

  • Business Friction: The existing homepage lacked the structure needed to introduce new products and encourage users to keep more financial activity within the ecosystem.

​

  • Product & IA Bottleneck: The upcoming product roadmap introduced new financial products. Without a scalable structure, adding these experiences would create a fragmented information architecture and make future expansion harder.

Existing Experience

The original homepage was built around a wallet experience, prioritizing account visibility over broader financial activities.

Discovery Research & Insights

To understand how users manage their money and what they expect from a financial home,we conducted moderated interviews with existing and potential users.

1/ Users Rely on Financial Apps For Quick Actions

Users open the app to complete fast micro-tasks, but the existing home surface buried critical features like QR payments and digital card access.

Insight: The home screen must function as an action launcher rather than a passive account view.

6/7

Participants explicitly prioritized instant access to Send Money and QR Payments on the main screen.

2/ Users Need a Clear Overview of Their Financial State

Ambiguity around total versus usable funds created user anxiety upon opening the app.

Insight: A financial home should provide immediate clarity before asking users to take action.

7/7

Participants preferred a structured card layout explicitly highlighting "Available Balance".

3/ Users Engage with Financial Products when Relevance is Clear

Traditional promotional banners are typically ignored by users as irrelevant visual clutter.

Insight: Marketing placements must be framed around clear user benefits rather than aggressive sales pitches.

4/7

Participants expressed clear interest when offers were presented via benefit-led contextual opportunity cards.

Design Direction

Transforming a single-purpose wallet experience into a modular financial home that supports everyday banking and future product growth.

Approach

I started by exploring how the homepage could evolve beyond an account view into a flexible financial home for everyday tasks and future products.

Exploration

To define this foundation, I explored different models for how a financial home could organize accounts, actions, and product discovery.

Concept 1 — Product-Based Modular Feed

Outcome

Not selected because created excessive vertical scroll fatigue. Burying new financial products at the bottom of the page failed to support the business's multi-product growth strategy.

Concept 2 — Simplified Banking Home

Outcome

Not selected because remained locked in a single-account view and cluttered the home screen with transaction history, taking away valuable space needed for product discovery.

Concept 3 — Product-Led Financial Home

Combined quick actions, multiple accounts, and market products within a configurable modular home.

Outcome

Selected for validation because provided a truly scalable architecture, balancing fast micro-tasks with the flexibility to surface new accounts and financial products without breaking the experience.

Final Solution

The selected direction combined quick access to everyday actions with a modular structure for accounts, product discovery, and future financial services.

From a Single-Account Home to a Scalable Financial Dashboard

The redesign transformed a static, account-centric wallet into an intuitive and scalable financial dashboard.

​

By reorganizing the information architecture around daily user intent and modular product discovery, we created a seamless experience ready for future roadmap expansion.

Key Takeaways

Designing for a platform transition requires looking beyond the current interface to build systemic scalability. By replacing an account-centric view with a modular financial dashboard, we successfully balanced high-frequency user micro-tasks with business discovery goals.

​

Ultimately, using research evidence to guide feature prioritization and stakeholder tradeoffs proved that aligning business strategy with user intent creates the strongest foundation for product growth.

Scaling an Account-Centric Home into a Multi-Product Financial Platform

DOA began as a digital wallet that received refunds from returned bottles. DOA Finance expanded this model into a broader financial platform (BaaS), but its single-account home could not support the upcoming product roadmap.

​

I led the product and experience direction for a modular home designed to scale across new accounts, cards, and financing products.

ROLE

Lead Product Designer

DOMAIN

Fintech

DURATION

3 Months

TEAM

PM, PA, UXR, Marketing

Impact

Supported DOA Finance’s rapid growth after launch.

In the first 24 days after launch, DOA Finance acquired 17.5K users while daily participation-account adoption and money-transfer activity increased significantly compared with the February–June baseline.

17.5K

New users acquired within

the first 24 days

19.7x

Increase in engagement compared to the previous experience

8.8x

Marketplace launch /

validated a new business model

Challenge

DOA Finance was evolving into a multi-product financial platform. However, its existing homepage was not designed to support this transition, creating business, product, and user challenges

Why This is Concerning?

  • User Experience Friction: Users needed fast access to everyday banking tasks, but unclear account information and buried actions added unnecessary friction.

​

  • Business Friction: The existing homepage lacked the structure needed to introduce new products and encourage users to keep more financial activity within the ecosystem.

​

  • Product & IA Bottleneck: The upcoming product roadmap introduced new financial products. Without a scalable structure, adding these experiences would create a fragmented information architecture and make future expansion harder.

Existing Experience

The original homepage was built around a wallet experience, prioritizing account visibility over broader financial activities.

Discovery Research & Insights

To understand how users manage their money and what they expect from a financial home,we conducted moderated interviews with existing and potential users.

1/ Users Rely on Financial Apps For Quick Actions

Users open the app to complete fast micro-tasks, but the existing home surface buried critical features like QR payments and digital card access.

Insight: The home screen must function as an action launcher rather than a passive account view.

6/7

Participants explicitly prioritized instant access to Send Money and QR Payments on the main screen.

7/7

Participants preferred a structured card layout explicitly highlighting "Available Balance".

2/ Users Need a Clear Overview of Their Financial State

Ambiguity around total versus usable funds created user anxiety upon opening the app.

Insight: A financial home should provide immediate clarity before asking users to take action.

3/ Users Engage with Financial Products when Relevance is Clear

Traditional promotional banners are typically ignored by users as irrelevant visual clutter.

Insight: Marketing placements must be framed around clear user benefits rather than aggressive sales pitches.

4/7

Participants expressed clear interest when offers were presented via benefit-led contextual opportunity cards.

Design Direction

Transforming a single-purpose wallet experience into a modular financial home that supports everyday banking and future product growth.

Approach

I started by exploring how the homepage could evolve beyond an account view into a flexible financial home for everyday tasks and future products.

Exploration

To define this foundation, I explored different models for how a financial home could organize accounts, actions, and product discovery.

Concept 1 — Product-Based Modular Feed

Outcome

Not selected because created excessive vertical scroll fatigue. Burying new financial products at the bottom of the page failed to support the business's multi-product growth strategy.

Concept 2 — Simplified Banking Home

Outcome

Not selected because remained locked in a single-account view and cluttered the home screen with transaction history, taking away valuable space needed for product discovery.

Concept 3 — Product-Led Financial Home

Combined quick actions, multiple accounts, and market products within a configurable modular home.

Outcome

Selected for validation because provided a truly scalable architecture, balancing fast micro-tasks with the flexibility to surface new accounts and financial products without breaking the experience.

Final Solution

The selected direction combined quick access to everyday actions with a modular structure for accounts, product discovery, and future financial services.

From a Single-Account Home to a Scalable Financial Dashboard

The redesign transformed a static, account-centric wallet into an intuitive and scalable financial dashboard.

​

By reorganizing the information architecture around daily user intent and modular product discovery, we created a seamless experience ready for future roadmap expansion.

Key Takeaways

Designing for a platform transition requires looking beyond the current interface to build systemic scalability. By replacing an account-centric view with a modular financial dashboard, we successfully balanced high-frequency user micro-tasks with business discovery goals.

​

Ultimately, using research evidence to guide feature prioritization and stakeholder tradeoffs proved that aligning business strategy with user intent creates the strongest foundation for product growth.

Scaling an Account-Centric Home into a Multi-Product Financial Platform

DOA began as a digital wallet that received refunds from returned bottles. DOA Finance expanded this model into a broader financial platform (BaaS), but its single-account home could not support the upcoming product roadmap.

​

I led the product and experience direction for a modular home designed to scale across new accounts, cards, and financing products.

ROLE

Lead Product Designer

DOMAIN

Fintech

DURATION

3 Months

TEAM

PM, PA, UXR, Marketing

Impact

Supported DOA Finance’s rapid growth after launch.

In the first 24 days after launch, DOA Finance acquired 17.5K users while daily participation-account adoption and money-transfer activity increased significantly compared with the February–June baseline.

17.5K

New users acquired within

the first 24 days

19.7x

Increase in daily distinct

saving-account users

8.8x

Increase in daily

money transfers

Challenge

DOA Finance was evolving into a multi-product financial platform. However, its existing homepage was not designed to support this transition, creating business, product, and user challenges

Why This is Concerning?

  • User Experience Friction: Users needed fast access to everyday banking tasks, but unclear account information and buried actions added unnecessary friction.

​

  • Business Friction: The existing homepage lacked the structure needed to introduce new products and encourage users to keep more financial activity within the ecosystem.

​

  • Product & IA Bottleneck: The upcoming product roadmap introduced new financial products. Without a scalable structure, adding these experiences would create a fragmented information architecture and make future expansion harder.

Existing Experience

The original homepage was built around a wallet experience, prioritizing account visibility over broader financial activities.

Discovery Research & Insights

To understand how users manage their money and what they expect from a financial home,we conducted moderated interviews with existing and potential users.

1/ Users Rely on Financial Apps For

Quick Actions

Users open the app to complete fast micro-tasks, but the existing home surface buried critical features like QR payments and digital card access.

Insight: The home screen must function as an action launcher rather than a passive account view.

6/7

Participants explicitly prioritized instant access to Send Money and QR Payments on the main screen.

7/7

Participants preferred a structured card layout explicitly highlighting "Available Balance".

2/ Users Need a Clear Overview of

Their Financial State

Ambiguity around total versus usable funds created user anxiety upon opening the app.

Insight: A financial home should provide immediate clarity before asking users to take action.

3/ Users Engage with Financial Products when Relevance is Clear

Traditional promotional banners are typically ignored by users as irrelevant visual clutter.

Insight: Marketing placements must be framed around clear user benefits rather than aggressive sales pitches.

4/7

Participants expressed clear interest when offers were presented via benefit-led contextual opportunity cards.

Design Direction

Transforming a single-purpose wallet experience into a modular financial home that supports everyday banking and future product growth.

Approach

I started by exploring how the homepage could evolve beyond an account view into a flexible financial home for everyday tasks and future products.

Exploration

To define this foundation, I explored different models for how a financial home could organize accounts, actions, and product discovery.

Concept 1 — Product-Based Modular Feed

Outcome

Not selected because created excessive vertical scroll fatigue. Burying new financial products at the bottom of the page failed to support the business's multi-product growth strategy.

Concept 2 — Simplified Banking Home

Outcome

Not selected because remained locked in a single-account view and cluttered the home screen with transaction history, taking away valuable space needed for product discovery.

Concept 3 — Product-Led Financial Home

Combined quick actions, multiple accounts, and market products within a configurable modular home.

Outcome

Selected for validation because provided a truly scalable architecture, balancing fast micro-tasks with the flexibility to surface new accounts and financial products without breaking the experience.

Final Solution

The selected direction combined quick access to everyday actions with a modular structure for accounts, product discovery, and future financial services.

From a Single-Account Home to a Scalable Financial Dashboard

The redesign transformed a static, account-centric wallet into an intuitive and scalable financial dashboard.

​

By reorganizing the information architecture around daily user intent and modular product discovery, we created a seamless experience ready for future roadmap expansion.

Key Takeaways

Designing for a platform transition requires looking beyond the current interface to build systemic scalability. By replacing an account-centric view with a modular financial dashboard, we successfully balanced high-frequency user micro-tasks with business discovery goals.

​

Ultimately, using research evidence to guide feature prioritization and stakeholder tradeoffs proved that aligning business strategy with user intent creates the strongest foundation for product growth.