OBIE - Open Banking UK

We were asked by OBIE (the Open Banking Implementation Entity) to incorporate our Data Trust by Design principles. The result: a series of design patterns, journeys, design principles and considerations are now the customer experience (CX) guidelines of Open Banking in the UK.

Work
Design Strategy
Standards Mapping
UX Design

Client
OBIE - Open banking UK

Frame_1B-min

TASK

Establish intuitive design patterns for consent: A diverse set of Open Banking journeys using the legal frameworks of PSD2 and GDPR consent became the foundation of a design pattern library and range of considerations.

THE CHALLENGE

Finding a balance between positive and negative friction and aligning to the metrics that matter:

A. Comprehension
B. Time to comprehension
C. Propensity to willingly share

Finding a balance between positive and negative friction and aligning to the metrics that matter:

A. Comprehension
B. Time to comprehension
C. Propensity to willingly share

Finding a balance between positive and negative friction and aligning to the metrics that matter:  

A. Comprehension
B. Time to comprehension
C. Propensity to willingly share

Finding a balance between positive and negative friction and aligning to the metrics that matter:

Finding a balance between positive and negative friction and aligning to the metrics that matter:

Comprehension_B
Time_to_B
Propensity_B
Quote-min-1

Great insight and understanding of real-life human behaviour helping to develop an clearly understandable consent journey

Miles Cheetham

Consent customer journey expert

Quote-min-1

Great insight and understanding of real-life human behaviour helping to develop an clearly understandable consent journey

Miles Cheetham

Consent customer journey expert

OBIE_004Clay-min

THE PARTIES

We had to design for each party and their role in the Open Banking ecosystem. A meaningful outcome was only possible by respecting the diverse needs of every party – and keeping on top of many acronyms.

SET
CONTEXT

81_F1.1-min

Aligning the requirements of 19 different journeys to the Data Trust by Design framework.

BUILD
FOUNDATION

80_F2.1-min

Creating a basic design system for consent based data sharing experiences and integrating BIT principles.

ENHANCED
FRAMEWORK

79_F3.1-min

Providing an annotated sketch file with inline guidance to system, used in research contexts across 19 prototypes.

81_G1.0-min

SET CONTEXT

Aligning the requirements of 19 different journeys to the Data Trust by Design framework.

80_G2.0-min

BUILD 
FOUNDATION

Creating a basic design system for consent based data sharing experiences and integrating BIT principles.

79_G3.0-min

ENHANCED
FRAMEWORK

Providing an annotated sketch file with inline guidance to system, used in research contexts across 19 prototypes.

CX Guideline 3.1.1

ACCOUNT INFORMATION CONSENT

CX Guideline 5.1.1

CONSENT DASHBOARD REVOCATION

The-Journeys_Colums_v.2-min

THE JOURNEYS

We designed 19 different consent journeys with a focus on the most important metrics. A task as simple as the London tube system.

CX Guidelines

SELECTED JOURNEYS

User_Jounery_4.1.1.b-min
User_Jounery_4.1.3.b-min
User_Jounery_3.1.2.b-min

THE GUIDELINES

THE Guidelines

THE Guidelines

THE SUMMIT

THE SUMMIT

We guided the OBIE team along the implementation of our work into the CX standard and guideline formats for both web and print.

The_Guidelines_7_Columns-min
OBIE_tablet_7_columns_1.1-min
OBIE_tablet_2_7_columns_1.1-min

OUTPUT

19 unique journeys with consistent design patterns, built on the most important metrics.

19 JOURNEYS

IMPACT

A positive impact on the lives of potentially 60 million UK citizens.

60 MILLION

RESULT

Over 3 million UK adults are now actively engaging with Open Banking solutions according to the OBIE (as of May 2021).

3 MILLION

THE TEAM

This was a collaborative project with >X and OBIE. Big shoutout to Nathan Kinch of >X and the team at OBIE. Miles Cheetham and DC Patel worked tirelessly and asynchronously to get journeys clear, iterate the design system and nailing consent codification. A stellar job to ensure the guidance could be incorported into the standards and guidlines for Open Banking.

_

MORE OF OUR WORK

MUTEO_180

We are an -

Experience
Design Studio

We acknowledge the First Peoples of Australia, their Elders past, present and emerging. We pay our respects to the traditional storytellers, designers, artists and owners of the land on which we live and work.

Follow Us

WE DESIGN FOR / TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUE & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES & TRUST & VALUES / TRUST & VALUES IS OUR EDGE

Muteo_footer_Icon