Ria Money Transfer

Designed an intuitive onboarding sign-up flow for Ria Money Transfer, a global leader in international financial services, catering to both enterprise and consumer users.

Year

2024

Year

2024

Objective

Put yourself in the shoes of a PM managing a wallet or neobank in Europe. Define and design the flow for onboarding new customers on Desktop.

Discovery Process

  1. Situation Context

    • Europe has many regulations regarding financial services which are strict. Namely with KYC (Know Your Customer) and AML (Anti-Money Laundering) rules. Managing a wallet or neobank within the region of Europe will demand that the experience for onboarding new customers will need to follow compliance rulings in order to prevent violations and also potential user drop-offs.

  2. Objective

    • Create a compliant-safe and seamless onboarding flow for new customers on Desktop.

  3. User Needs

    • Simplicity, rapid identity verification, seamless bank institution and payment method linking capabilities, and security.

  4. Customer Jobs-To-Be-Done

    • Primary: Setting up an account quickly, be able to verify user identity, and use the wallet or neobank for transactions or money transfers.

    • Emotional: Security and confidence.

    • Functional: Complete the process with minimal effort while being able to have access to core offerings such as transfers or transactions.

  5. Customer User Stories

    • As a user, I want to be able to enter my personal information in order to create an account.

    • As a user, I want to be able to complete identification verification so that my account is compliant with safety compliances and regulation.

    • As a user, I want to be able to link my bank account so that I can wire money into my account.

    • As a user, I want to set up a secure PIN number so that my account can be safe.

    • As a user, I want to be able to verify a phone number confirmation code so that I can ensure my account is secure

User Flow

  1. Welcome Page - The user should be first initially taken to the welcome screen with a dropdown menu that allows the user to select their country of origin and a call-to-action button which allows the user to start the process of onboarding.

  2. Personal Information Section - The user should have ability to enter any relevant personal information such as name, email, phone number, address, etc. Email or phone number should be used as verification confirmation.

  3. Employment Information Section - The user should be able to select into the income bracket they make and list their occupation in order to be verified as a registered user for a wallet or neobank.

  4. Identity Verification Section - The user should be prompted to submit their European Social Security Number or have an option to submit personal documents in order to prove their identity. (Student ID, Driver License, etc).

  5. Bank Linking Section - The user should be able to link their bank institution to the account for future transactions.

  6. Phone Number & PIN Section - The user should be able to enter in their phone number to be verified and authenticated via a confirmation code and should be able to create a PIN for secured authentication of the account.

  7. Phone Confirmation Text Message Section - The user should be prompted and automated a confirmation code sent to their inputted phone number and should have the ability to verify that code within this section to prove legitimacy.

  8. Password Section - The user should be able to set their password and agree to terms of service