OVERVIEW
In 2025, Onmo explored introducing Open Banking as a new way for customers to make credit repayments. The aim was to offer a more secure and cost effective alternative to card payments, while avoiding the need to store sensitive card details.
I was asked to create early design concepts to show stakeholders how Open Banking could be integrated into the existing payment experience without adding friction or disrupting familiar user flows.
DISCOVERY
The main challenge was user understanding and trust. Open Banking is still unfamiliar to many users, and research showed that complex language and unclear handoffs can quickly create anxiety. I also identified common failure points in existing Open Banking journeys, particularly around redirects between apps.
These insights shaped a focus on clear education, expectation setting, and contingency planning to support users through both ideal and edge case scenarios.
SOLUTION
I designed a guided payment flow that introduces Open Banking through simple, reassuring messaging and familiar language, positioning it as Instant Bank Transfer. Educational bottom sheets explain how the process works and why it is recommended.
The flow clearly steps users through bank selection, confirmation, and completion, with visual cues to set expectations. For returning users, the experience is streamlined by remembering their previously selected bank. A web based fail safe flow was also designed to handle redirect issues gracefully.
RESULTS
The concepts demonstrated how Open Banking could be introduced in a way that feels secure, understandable, and aligned with user expectations. The proposed flow reduces cognitive load, supports repeat usage, and anticipates technical edge cases before build.
This work gave stakeholders confidence in Open Banking as a viable repayment method and provided a strong foundation for future implementation once provider details were finalised.
