Dmytro ZakharovProduct Designer & Product Builder
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FINTECH · MOBILE BANKING & CUSTOMER OPERATIONS

Layer

Designing a connected banking ecosystem across mobile services and customer operations.

An internal fintech product combining everyday mobile banking, personal-finance tools and a Customer 360 platform for account, wallet and customer management.

Role
Product Designer
Industry
Fintech
Platforms
Mobile + Web
Product
Banking app + Customer 360 platform
Scope
UX/UI, design system, mobile banking, operational interfaces and continuous product delivery
Collaboration
Business Analyst, engineering, CTO and CEO
Product Ecosystem

One banking ecosystem, two very different users.

The product had to make everyday banking simple for customers while giving internal teams enough operational depth to understand accounts, activity, risk, products and support needs.

The challenge was to maintain clarity and consistency across two very different interface environments: a compact mobile experience designed around quick actions, and a dense desktop platform designed around customer and financial operations.

Customer Banking
A compact mobile surface for account access, balance visibility and frequent banking actions.
  • Accounts
  • Cards
  • Payments
  • Transfers
  • Savings
  • Insights
  • Products and services
Shared Product Language

Same financial logic, different interface densities.

CustomerAccountsCardsWalletsTransactionsProductsPermissionsStatusActions
Customer Operations
A dense workspace for customer status, risk, requests, financial context and operational actions.
  • Customer 360
  • KYC and risk
  • Requests
  • Accounts and wallets
  • Transactions
  • Activity
  • Operational actions
Mobile Banking

Everyday banking organized around clear actions.

The mobile product brought balances, accounts, cards, payments and services into a compact interface designed around frequent customer tasks.

Balance, available funds, upcoming payments and Send, Pay and Top up create the daily banking anchor.
Account identity, recent transactions and settings remain close to the primary actions.
Card control keeps freeze, replace, cancel, limits and account relationships accessible.
Products and services can expand without burying core account tasks.

Balance & availability

Making available funds and account identity immediately visible.

Quick actions

Send, Pay and Top up positioned around common banking tasks.

Transaction context

Recent operations remain visible without deep navigation.

Card control

Freeze, replace, cancel, limits and account relationships remain accessible.

Product access

Customers can discover and manage additional financial services.

Beyond everyday banking

The home experience also combined balance information and frequent banking actions with exchange rates, market indicators, financial content and contextual shortcuts.

  • Balance
  • Available funds
  • Upcoming payments
  • Send, Pay and Top up
  • Exchange rates
  • Market indicators
  • Financial content
  • Assistant access
The daily home anchors balance, availability and shortcuts.
Market data, exchange rates and financial content extend the product context.
Financial Wellbeing

Turning financial data into understandable decisions.

The product extended beyond transactions by helping customers understand upcoming payments, spending patterns, saving progress and small everyday contributions.

Understand
Spending insight: historical activity is translated into a clear warning and selected data point.
Plan
Upcoming payments: future obligations remain visible through chart context and a readable recurring-payment list.
Improve
Savings: goals, progress, monthly contribution and transaction history remain connected.
Roundups: a three-step explanation introduces the feature without changing the user's normal payment behaviour.

Small contribution features still need clear financial context.

Roundups sits with savings because the product explains a contribution mechanism as part of a broader financial-wellbeing story.

Financial information designed for a mobile viewport.

Period filters, bar charts, selected data points, progress views and recurring-payment lists were organized directly inside the financial-wellbeing flows.

01

Touch-friendly controls

Filters and primary actions remain reachable without shrinking the financial content.

02

Selected data points

Charts reveal the current point in context rather than presenting decoration.

03

Balance hierarchy

Totals, periods and transaction details use consistent priority.

Guided Experience

Exploring a more conversational banking experience.

The product explored an assistant-led experience for answering financial questions, surfacing budget information and guiding customers toward relevant actions.

A focused entry point explains the assistant's role.

A conversational layer for financial guidance.

The concept focused on text and voice input, contextual prompts and responses connected to balances, spending and budget information.

The conversation keeps the budget answer connected to available funds and monthly spend.
Customer 360

Bringing the complete customer relationship into one operational view.

The desktop platform consolidated customer identity, account status, risk, requests, balances, products, activity and service opportunities into a single operational workspace.

Layer Customer 360 dashboard with identity, KYC, risk, recommendations, requests, charts, upcoming payments, activity and limits
Scroll to explore
The long Customer 360 view is presented as a scrollable operational workspace so the full dashboard remains available without reducing it to an unreadable thumbnail.
Customer details, recommendations and request status create the first operational summary.
Financial balance charts and account distribution help operators scan product usage.
Activity, login history and recent operations support customer-service context.
Accounts & Wallets

Managing complex financial records without losing context.

The operational product had to support dense financial information, multiple account states and contextual actions while keeping the customer relationship visible.

The combined overview places accounts and wallets side by side for quick comparison across balances, statuses and record types.
Expanded account operations reveal the row, status, available and current balance, plus Pay, Transfer, Fund account, Close account, Transactions, Account details, Linked cards and Dispute requests in context.
01

Contextual actions

Pay, Transfer, Fund account and account actions stay attached to the expanded account.

02

Expanded row

Details appear beneath the selected account instead of forcing a separate page.

03

Account status

State labels remain visible while actions are available.

04

Balance hierarchy

Available and current balance stay prominent on the right.

Transaction-level detail supports search, filters, expandable references, posting and value dates, currency, amount and transaction balance.
Dense-interface principles are visible in the actual account and wallet UI: expandable rows, state labels, contextual actions and balance hierarchy.

Making dense banking interfaces scannable and actionable.

01

Progressive disclosure

Connected to the expanded account row that reveals details only when needed.

02

Visible status

Active, dormant, deleted and closed labels remain readable in list context.

03

Contextual actions

Pay, Transfer, Fund account and account actions appear where operators use them.

04

Financial hierarchy

Available balance, current balance and transaction amount keep consistent priority.

05

Filtering and search

Wallet transaction controls keep large records manageable.

Design System

One design language across mobile banking and operational products.

The design system had to support two very different interface densities: a customer-facing mobile application focused on clarity and speed, and a desktop operational platform focused on data, status and action.

Shared Foundations

Typography · Color · Spacing · Icons · Elevation

Mobile Patterns

  • Account cards
  • Transaction lists
  • Quick actions
  • Charts
  • Product cards
  • Bottom navigation

Shared Product Logic

  • Product states
  • Content rules
  • Financial hierarchy
  • Reusable interactions
  • Status logic

Desktop Patterns

  • Data tables
  • Expandable rows
  • Filters
  • Status labels
  • Dashboard modules
  • Operational actions

Product States

Active, dormant, closed, deleted, pending, completed, empty and error states.

Data Visualization

Balance charts, progress indicators, calendar states, trends and transaction summaries.

The system created consistency across customer-facing simplicity and operational complexity, while giving the team reusable patterns for continued product development.

01

Foundation

Maintaining shared visual and interaction rules.

02

Product patterns

Creating reusable mobile and desktop components.

03

State coverage

Defining behaviour across financial and operational states.

Content, data and delivery support covered changing values, long identifiers, currencies, statuses, dense records, clear specifications and direct work with developers.

Product Delivery

Weekly decisions within a small cross-functional team.

Layer's small team created a direct working process between business analysis, product design, engineering and company leadership.

  1. 01

    Requirements

    Product requirements and sprint priorities.

  2. 02

    User flows

    Business analysis and user-flow structure.

  3. 03

    UX/UI design

    Interface structure, interaction behaviour and detailed states.

  4. 04

    Engineering review

    Feasibility and implementation clarity with developers.

  5. 05

    CTO and CEO review

    Direct product review and decision-making.

  6. 06

    Weekly delivery

    Progress and decisions presented through weekly cycles.

  7. 07

    Refinement

    Feedback, implementation support and next-cycle updates.

  8. Repeat through the next weekly cycle
My Ownership

My role across both sides of the product.

The work stayed within product design: interface structure, interaction patterns, design-system coverage, detailed states, developer collaboration and weekly delivery support.

01

Mobile product

  • Banking UX/UI
  • Account and card management
  • Payments and services
  • Financial insights
  • Conversational guidance concepts
02

Operational product

  • Customer 360
  • Accounts and wallets
  • Transaction interfaces
  • Data-heavy dashboards
  • Operational actions and states
03

Systems and delivery

  • Cross-platform design system
  • Reusable patterns
  • Weekly design deliveries
  • Engineering collaboration
  • CTO and CEO reviews
Outcome

A coherent foundation across customer banking and internal operations.

The work created a consistent product language across mobile banking and desktop operations, helping complex financial information and actions remain understandable across different users and interface densities.

Clarity

Financial information organised through understandable hierarchy and action.

Consistency

Shared patterns across mobile and desktop product surfaces.

Operational depth

Interfaces capable of supporting complex customer, account and transaction workflows.

Reflection

Simple banking experiences depend on well-structured complexity.

Layer demonstrated how the same product language can support two very different needs: fast, understandable banking for customers and dense, actionable information for internal teams.

Fintech Product Design

Need a clear product experience across complex financial systems?

I help teams structure financial journeys, scalable interface systems and data-heavy digital products across mobile and web.

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