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Project
UBank Mobile & Internet Banking
Client
U Microfinance Bank
Type
UI/UX, CX, Design System
Finances have always been a touchy topic, for both the rich and the poor. Since the dawn of time,
finances have influenced status, privilege, and lifestyle. The 21st century has witnessed significant
progress in financial technology and accessibility, yet glaring disparities remain. Despite
advancements, financial exclusion persists, leaving millions without access to essential banking
services. These gaps highlight the urgent need for innovative solutions and a re-evaluation of existing
methodologies.
In Pakistan, a significant portion of the adult population remains financially excluded, facing barriers
that prevent them from participating in the formal banking sector. This exclusion not only deprives
individuals of basic banking rights but also impedes their ability to improve their financial literacy
and economic stability. The challenge is not merely about providing access to bank accounts but
fostering an environment where financial education is prioritized.
At O3 Interfaces, we understand that true financial inclusion goes beyond the superficial. It involves
creating systems that are not only accessible but also comprehensible and beneficial to all
socioeconomic classes. In collaboration with Ubank, we embarked on a mission to revolutionize the
banking landscape in Pakistan. Our goal was to design a user-friendly platform that addresses the unique
needs of the underserved while promoting financial literacy and empowerment.
THE STATE OF FINANCIAL EXCLUSION IN PAKISTAN
The lack of success in financial inclusion is not due to doing it wrong but because the methodology was flawed. Pakistan's financially excluded population does not need an immediate bank account. They need financial education. Once the greater percentage receives that education, they will be equipped to make informed decisions.
Out of Pakistan's total adult population, a whopping 53% are financially excluded.
Understanding the audience is crucial. Do all of them have mobile phones? If yes, which ones? Some individuals who want to access mobile banking might have feature phones. Are any avenues created for them? For smartphone users, accessing a bank account through the web might be lengthy. The best course of action is a simplistic mobile banking app that serves the purpose.
Pakistan is home to different financial classes, with much of their worth defined by their wealth. Caring for the underserved requires immediate attention. The reason they don't dream of coming out of poverty is that they were never made to believe they could.
Simplicity and intuitiveness
The design prioritizes simplicity and intuitiveness, ensuring that even users with limited tech-savviness can navigate through the platform effortlessly.
The birth of a new partnership.
O3 Interfaces and Ubank's partnership fostered a relationship aimed at making banking accessible for underserved communities. The most basic right for every resident is accessibility, starting at a grassroots level.
Accessibility in banking includes financial awareness and making the concept of banking visually understandable.
After in-depth research, O3 Interfaces figured it out perfectly from a design point of view. Every aspect of banking needs to be thorough, from the log-in screen to subsequent steps.
Make
your
mark.
Be
a
trendsetter.
A partnership works on the desire to grow and the ambition to become better than yesterday. If you aspire to grow your business, get in touch with us and together, we can create what will aim to change the conventional narrative.
Get In Touch
Project
UBank Mobile & Internet Banking
Client
U Microfinance Bank
Type
UI/UX, CX, Design System
Understanding the need for financial inclusion.
Finances have always been a touchy topic, for both the rich and the poor. Since the dawn of time, finances
have influenced status, privilege, and lifestyle. The 21st century has witnessed significant progress in
financial technology and accessibility, yet glaring disparities remain. Despite advancements, financial
exclusion persists, leaving millions without access to essential banking services. These gaps highlight
the urgent need for innovative solutions and a re-evaluation of existing methodologies.
In Pakistan, a significant portion of the adult population remains financially excluded, facing barriers
that prevent them from participating in the formal banking sector. This exclusion not only deprives
individuals of basic banking rights but also impedes their ability to improve their financial literacy and
economic stability. The challenge is not merely about providing access to bank accounts but fostering an
environment where financial education is prioritized.
At O3 Interfaces, we understand that true financial inclusion goes beyond the superficial. It involves
creating systems that are not only accessible but also comprehensible and beneficial to all socioeconomic
classes. In collaboration with Ubank, we embarked on a mission to revolutionize the banking landscape in
Pakistan. Our goal was to design a user-friendly platform that addresses the unique needs of the
underserved while promoting financial literacy and empowerment.
THE STATE OF FINANCIAL EXCLUSION IN PAKISTAN
The lack of success in financial inclusion is not due to doing it wrong but because the methodology was flawed. Pakistan's financially excluded population does not need an immediate bank account. They need financial education. Once the greater percentage receives that education, they will be equipped to make informed decisions.
Out of Pakistan's total adult population, a whopping 53% are financially excluded.
Understanding the audience is crucial.Understanding the audience is crucial. Do all of them have mobile phones? If yes, which ones? Some individuals who want to access mobile banking might have feature phones. Are any avenues created for them? For smartphone users, accessing a bank account through the web might be lengthy. The best course of action is a simplistic mobile banking app that serves the purpose.le banking app that serves the purpose.
Pakistan is home to different financial classes, with much of their worth defined by their wealth. Caring for the underserved requires immediate attention. The reason they don't dream of coming out of poverty is that they were never made to believe they could.
Simplicity and intuitiveness
The design prioritizes simplicity and intuitiveness, ensuring that even users with limited tech-savviness can navigate through the platform effortlessly.
The birth of a new partnership.
O3 Interfaces and Ubank's partnership fostered a relationship aimed at making banking accessible for underserved communities. The most basic right for every resident is accessibility, starting at a grassroots level.
Accessibility in banking includes financial awareness and making the concept of banking visually understandable.
After in-depth research, O3 Interfaces figured it out perfectly from a design point of view. Every aspect of banking needs to be thorough, from the log-in screen to subsequent steps.
Integrated powerful search engine, ensuring that users can swiftly
find any feature or information within the app.
Supports top-ups for all major mobile carriers, offering
flexibility and convenience to users.
All verification data is stored securely, complying with industry
standards and regulations to protect user privacy.
Transactions are automatically categorized (e.g., groceries,
utilities, entertainment) for easier tracking and financial
management.
Make
your
mark.
Be
a
trendsetter.
A partnership works on the desire to grow and the ambition to become better than yesterday. If you aspire to grow your business, get in touch with us and together, we can create what will aim to change the conventional narrative.