EverWin+ Interbank
Redefining Online Collaboration Experience in Regional Finance
Overview
With the accelerating pace of digital transformation in finance, institutional investors are demanding higher standards for asset allocation, transaction efficiency, and fund security. Changsha Bank has launched "EverWin+," an intelligent financial services platform designed to address the core pain points of institutional clients in product subscription, account management, trade execution, and asset management. The platform is dedicated to transforming complex offline financial services into a transparent, efficient, and trustworthy online collaboration system, focusing on the regional financial market to redefine the institutional business experience.
Timeframe
6 Weeks
My Role
Research, UX/UI & IA Design, Branding, Prototyping + Testing
Tools
Figma, photoshop, wps
Complexity Integration: Integrating complex internal business systems and data sources is required to ensure data reliability, operational stability, and real-time performance.
The Balance Act: Within stringent financial regulatory frameworks, we must balance security and compliance with a clear, efficient, modern user experience, revolutionizing the cumbersome interactions of traditional financial software.
Multi-role collaboration: Offline, cross-departmental collaboration workflows must be transformed into a clear online permission structure and synergistic workflow system.
Challenge
For Institutional Traders: Provide a more convenient and transparent product inquiry and trading experience than offline channels, supporting seamless collaboration across multiple roles and accounts to improve operational efficiency.
For Operators: Achieve comprehensive digitalization and online handling of operational tasks, ensuring system reliability and processing speed.
For the Platform: Establish a mutually trustworthy institutional collaboration platform, becoming the one-stop online portal for the regional financial market.
Objective
Competitive Market Analysis
We conducted a benchmark analysis of mainstream service platforms in the financial industry, focusing on two representative models: the Platform Ecosystem Model, exemplified by "Ping An Bank E-Tong," and the Vertical Business Depth Model, exemplified by "China Merchants Bank Zhaoying tong."
Analysis shows the former excels in platform integration but lacks regional agility; the latter offers solid business depth but a rigid user experience. Thus, "EverWin+" integrates both strengths (platform integration and business depth), focusing on the niche of "Regionalized Agility" and "Ultimate Institutional Experience" to build a unique competitive edge.
Conclusion
User Research
This research focuses on the platform's two main user roles: institutional traders and platform operations administrators. Findings show that both parties, despite different roles, commonly face inefficiency and high collaboration costs caused by fractured processes, manual operation, and lack of information transparency. Both urgently require a unified, transparent, and efficient digital collaboration system.
Key Points
Process Fragmentation: User operations are decentralized across multiple disconnected systems, leading to workflow disruptions and reduced efficiency.
Manual Operations: From executing transactions to operational reviews, processes rely heavily on manual switching and repetitive data entry, lacking batch processing capabilities and increasing the risk of errors.
Information Silos: Transaction statuses and operation records cannot be synchronized in real time, creating information silos that result in transparency gaps and collaboration difficulties.
Integrated Process Consolidation: Design a unified, coherent multi-role online workflow that seamlessly connects dispersed tasks for institutional traders and operations staff, eliminating inefficient system switching.
Streamlined Core Interaction Path: Critically optimize interaction steps and access logic for key tasks (e.g., subscription, approval), introducing a 'shopping cart' batch processing mechanism to ensure the shortest and clearest path.
Transparent Workflow Collaboration: The platform must ensure real-time synchronization and transparent visibility of critical business data (e.g., transaction status, approval results). This minimizes extra communication and confirmation efforts caused by information opacity.
What should we do?
Design Principles
Based on the above analysis, I have outlined the following principles for the entire design process.
Clear and Concise
Use modular layouts and clear visual hierarchies to provide an at-a-glance information architecture for the cross-role (traders and operations staff) online collaboration process.
Efficient Access
Simplify processes and eliminate unnecessary steps, enhancing efficiency by using batch mechanisms like a 'shopping cart' to help users complete tasks faster.
Security and Trust
Enhance verification and feedback at critical operation points, building trust through reliable interactions and embedding compliance within the user experience.
Site Map
Centered on user roles and business processes, we established a permission-based information architecture. This architecture organizes all functionalities within a clear logical framework, enabling seamless collaboration from "front-end transaction initiation" to "back-end operational support," ensuring smooth multi-role closed-loop processes.
User Flow
Taking the core business of "Product Subscription" as an example, we designed the end-to-end closed-loop process: "Institutional Trader Initiates Subscription → Operator Reviews and Processes → Transaction Settlement Complete." This flow clearly defines the collaboration nodes and transitions for each role, serving as a concrete microcosm of the overall system design.
Mid-Fidelity Wireframes
We reviewed the layout, information organization, and interaction framework of the "Product Subscription" process via mid-fidelity wireframes, ensuring business logic translates into intuitive interface language.
High-fidelity
Based on the defined design framework, we finalized the high-fidelity solution. The design deeply integrates financial business scenarios, shaping a convenient, reliable, and efficient digital platform experience through clear information hierarchy, process interfaces, and intuitive data visualization.
Internal Testing
Pre-development, we organized cross-functional prototype reviews for the two core scenarios—"Product Subscription" and "Position Inquiry", involving product managers and developers.
Review Scenario 1
You are an institutional trader looking to subscribe to a fund product worth one million CNY.
“Is it easy to find and filter products?”
“Is the process from product confirmation to submission clear and smooth?”
“Does the current 'shopping cart' or batch submission mechanism meet your expectations for handling multiple investments concurrently?”
Review Scenario 2
You now want to view the detailed information and latest status of your held products.
“Does the product details page clearly display all the information you care about (e.g., asset status, earnings performance)? Is the overall information layout readily understandable?“
Task1
All evaluators successfully completed the subscription for a one million CNY fund product. The entire process, from product browsing and filtering to information verification and payment, was seamless, with no bottlenecks causing delays detected. The design logic for the "shopping cart" involving batch operations was also deemed to meet business expectations.
Task2
Participating product managers and developers confirmed that the path to holding information is clear, the page layout effectively supports users in quickly understanding asset status, and the Information Architecture design met its intended goals.
Review Feedback
Clear Path—The complete path from product filtering to subscription submission is designed to be very smooth, with explicit steps and no cognitive friction or process breaks encountered.
“
Intuitive and Effortless—The shopping cart and bulk order processes are designed to flow seamlessly, making it much easier to manage multiple investments at once.
“
Reliable and Intelligible—The asset data on the product details page is rendered with exceptional lucidity, allowing us to accurately assess our asset position at a glance.
“
Summary & Impact
1.Digital Transformation of Core Institutional Workflows:
We successfully transformed complex offline collaborative processes into clear, logically rigorous online digital solutions, directly and systematically resolving the core pain points of fragmented workflows and operational inefficiency, which received high recognition from both clients and the internal team.
2. Internal Collaboration Enhances Design Completion:
Through cross-functional reviews of core scenarios like “product subscription”, we proactively validated the feasibility of the end-to-end operational flow, ensuring clarity in interaction and logic, and reducing development risks.
3.Laying the Foundation for Sustainable Platform Evolution:
The designed Web platform established a strong benchmark in the experience, efficiency, and reliability of core processes. This foundation allows for future expansion into high-frequency extended scenarios like "Mobile Approvals" and "Intelligent Risk Control Alerts," to continuously enhance platform value.