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OBIE - Open Banking UK
We were asked by OBIE (The Open Banking Implementation Entity) to apply the 'Data Trust by Design' principles to the project. 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
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:
Great insight and understanding of real-life human behaviour helping to develop an clearly understandable consent journey
Miles Cheetham
Consent customer journey expert
Great insight and understanding of real-life human behaviour helping to develop an clearly understandable consent journey
Miles Cheetham
Consent customer journey expert
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
Aligning the requirements of 19 different journeys to the Data Trust by Design framework.
BUILD
FOUNDATION
Creating a basic design system for consent based data sharing experiences and integrating BIT principles.
ENHANCED
FRAMEWORK
Providing an annotated sketch file with inline guidance to system, used in research contexts across 19 prototypes.
SET CONTEXT
Aligning the requirements of 19 different journeys to the Data Trust by Design framework.
BUILD
FOUNDATION
Creating a basic design system for consent based data sharing experiences and integrating BIT principles.
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
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
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.
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.
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MORE OF OUR WORK
WE DESIGN FOR /
PEOPLE + TRANSPARENCY + SIMPLICITY + LOYALTY + EQUALITY + SUSTAINABILITY + DATA PRIVACY + TRUSTWORTHINESS + OPTIMISATION + INNOVATION + POSITIVE ENGAGEMENT + ACCESSIBILITY + EMPOWERMENT + INSPIRATION + COLLABORATION / TO GIVE YOU THE EDGE
WE DESIGN FOR / PEOPLE + TRANSPARENCY + SIMPLICITY + LOYALTY + EQUALITY + SUSTAINABILITY + DATA PRIVACY + TRUSTWORTHINESS + OPTIMISATION + INNOVATION + POSITIVE ENGAGEMENT + ACCESSIBILITY + EMPOWERMENT + INSPIRATION + COLLABORATION / TO GIVE YOU THE EDGE
