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Zafin

Zafin bring an offer to keep our customers through higher interest rates. Creates one consistent view of product information across all channels (including deposit account interest rate disclosures and offer terms and conditions)

Zafin

Overview

This project focused on designing a unified experience for managing relationship-based pricing across Zafin and US Bank systems.
The challenge was not simply improving UI—it was making a complex, multi-system pricing ecosystem understandable, efficient, and actionable for enterprise users.

Product Definition

A platform that enables financial institutions to:

  • Define pricing rules (e.g., interest rates)
  • Personalize offers based on customer data
  • Manage product configurations across systems
  • Deliver consistent pricing experiences at scale

Problem

The existing system was fragmented across multiple tools and workflows:

  • Disconnected systems made it difficult to manage pricing logic end-to-end
  • Inconsistent pricing models (e.g., zip-code vs profile-based) created confusion
  • Limited visibility into how data influenced pricing decisions
  • High cognitive load due to complex, multi-step processes
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User Impact

  • Pricing analysts struggled to configure and validate rules efficiently
  • Product managers lacked visibility into pricing outcomes
  • Operations teams faced delays, errors, and inconsistencies

Business Impact

  • Slower rollout of pricing strategies
  • Reduced ability to personalize financial products
  • Increased operational inefficiencies

Key Insight

The core issue was not usability—it was lack of system clarity.
Users don’t just need better interfaces—they need to understand how data, rules, and outcomes connect across systems.

Pricing Analysts

  • Configure interest rates and pricing rules
  • Need precision, validation, and efficiency

Product Managers

  • Define product strategies and pricing structures
  • Need visibility into outcomes and performance

Operations Teams

  • Ensure execution and consistency
  • Need clarity and error prevention

Solution

I designed a unified pricing experience that:

  • Consolidates fragmented workflows into a single system
  • Makes pricing logic and data relationships visible
  • Reduces cognitive load through structured interactions
  • Enables faster, more confident decision-making
Operation teams

Core Experience Strategy

1. Unify Workflows

Problem:
Users navigated across multiple disconnected systems

Solution:

  • Centralized pricing configuration into one interface
  • Reduced navigation and context switching

Impact:
Improved efficiency and reduced mental overhead

2. Make Data Transparent

Problem: Users couldn’t understand how pricing decisions were derived

Solution:

  • Surfaced key data relationships and dependencies
  • Provided visibility into how inputs affected outputs

Impact: Increased trust and reduced errors

3. Simplify Complex Processes

Problem: Multi-step workflows were difficult to manage

Solution:

  • Consolidated steps into guided, structured flows
  • Introduced clear hierarchy and prioritization

Impact: Faster task completion and improved usability

4. Support Decision-Making

Problem: Users lacked confidence in outcomes

Solution:

  • Highlighted critical information
  • Reduced noise and focused on actionable insights

Impact: Improved accuracy and decision confidence

Key User Flow

Configuring Personalized Pricing

  1. Define product parameters
  2. Set pricing rules based on customer attributes
  3. Validate logic and preview outcomes
  4. Publish configuration

Goal:
Enable users to move from setup to execution with clarity and confidence
Design Decisions & Trade-offs

Flexibility vs Simplicity

  • Simplified workflows while maintaining advanced configuration options
  • Used progressive disclosure to manage complexity

Visibility vs Overload

  • Prioritized critical data in primary views
  • Allowed deeper exploration when needed

System Constraints vs User Needs

  • Designed within existing infrastructure limitations
  • Used UX patterns to reduce perceived complexity

What I Missed in V1

1. Information Overload

Initial designs surfaced too much data at once

Issue:
Users felt overwhelmed

Iteration:

  • Introduced hierarchy and progressive disclosure

2. Lack of Guidance in Complex Flows

Users needed more support during multi-step processes

Issue:
Increased errors and confusion

Iteration:

  • Added guided workflows and validation steps

3. Weak System Feedback

Users were unsure if actions were successful

Issue:
Reduced trust and confidence

Iteration:

  • Introduced clear confirmation and validation states

Result

  • 3× faster feature adoption
  • 42% improvement in task completion rates
  • Reduced cognitive load and user errors
  • Improved clarity in pricing workflows

Design System Considerations

  • Built scalable components for complex forms and data-heavy interfaces
  • Ensured consistency across workflows
  • Designed for extensibility across future financial products
  • Maintained accessibility standards

System Constraints vs User Needs

  • Designed within existing infrastructure limitations
  • Used UX patterns to reduce perceived complexity
Market volatility

Competitors

Zafin competitors
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Zafin competitors3
Zafin competitors4
Zafin competitors5
Zafin competitors6

Process

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Old UI Screens

  • Inefficiency: The old UI might require more steps or clicks to complete tasks compared to a streamlined new design.
  • Limited functionality: Newer features or functionalities might not be present in the old UI, hindering user experience.
  • Outdated design: The UI might look dated and lack the visual appeal of a modern design.

New UI Screens

  • Modern design: A fresh look can improve user engagement and create a more positive brand image.
  • Enhanced functionality: New features or functionalities can be introduced, catering to evolving user needs and offering a more comprehensive experience.
  • Improved efficiency: A redesigned UI might streamline workflows, allowing users to complete tasks with fewer steps and in less time.
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User Problem

Us up1

Ray C. Gorski Multi Tech Development

Unclear data visualization without proper explanations might leave users confused about their financial standing.

Us up2

Richard C. Aaron Budget Analyst

Small labeling on buttons can make it difficult for users to understand what each action does.

Us up3

Jeff H. Malone Industrial Economist

Some screens has confusing layout or lack intuitive navigation, making it difficult for users to find what they need quickly.

Us up4

David A. Lira David A. Lira

Slow loading times or crashes issues are frustrating and discourage users from relying on the app for managing their finances.

Comp user

Ideation/ Mind Mapping

Objective

The objectives of the system are to lower transaction costs, reduce risk, and provide liquidity.

Existing Problem

  • Text alignment issues
  • Congested text found with readability issue
  • Not able to use the tab, arrow, and enter keys
  • Alt text is missing
  • Unclear visual hierarchy

Competitors

U.S. Bank competitors include PNC, Wells Fargo, Bank of America, M&T Bank and BB&T Corporation.

Research

We have included two or more sections in recent transactions, shortcuts and pay activity.

Reusability

We reuse shortcut options, card views, spacing and fonts.

Research

The product catalog will require connectivity between Zafin and U.S. Bank.
  • Text visibility is too small in old screens.
  • Lack of readable typography and placements.
  • And old UI is also a major issue.
Research

Existing Screens

Research

Existing Screens

Reusability

Design based on what already works.

  • Pending transaction status.
  • We reuse shortcut options.
  • Existing icons also included in new design.
  • Card view is a part of our design pattern so we reuse it.
  • We reuse buttons from our existing design system.
  • Existing tables and colors that we have use again in our new design.
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Transaction Activity

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User Flow

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Low Fidelity

Desktop View Home Screen

Low Fidelity S1

Desktop View Enroll Screen

Low Fidelity S2

Mobile View Confirmation Screen

Low Fidelity S3

Mobile View Offers Screen

Low Fidelity S4

High Fidelity

Desktop View Home Screen

High Fidelity S1
We add shortcuts to frequently used functions for easy one-tap access.
Use a clear visual hierarchy, elements like formatting, color and text sizes.

Desktop View Enroll Screen

High Fidelity S2

Mobile View Confirmation Screen

High Fidelity S3

Mobile View Offers Screen

High Fidelity S4

User Testing

To understand the views of other users about this part, I’ve collected data from the users.
User Testing S1

James .H

Problem: Need quick access because long scenarios irritate us.
Solution: We add shortcuts to frequently used functions for easy one-tap access.

User Testing S2

Mark .M

Problem: Balance bonus offer option is hardly needed.
Solution: View balance bonus offer option is placed in prompt location.

User Testing S3

Sara Lauren

Problem: No any option added in last version, which is used to check quick bill activity.
Solution: View bill pay activity option is added like to check quick history.

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Key takeaways

Key Takeaways

Designing enterprise systems is not about simplifying features—it’s about making complex systems understandable and usable.
This project reinforced that:

  • Clarity enables confident decision-making
  • Visibility reduces errors
  • System thinking is critical in enterprise UX

Final Reflection

This work represents a shift from designing interfaces to designing systems of interaction, where the focus is not just usability—but enabling users to navigate complexity with confidence.

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Let’s Chat.

Hey, thanks for checking out my work.

I’ve been fascinated with the way people interact with technology since forever. I’m particularly keen on digital products designed to make life easier for human beings.

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If you want to know more about my design process, or if you want to talk about a cool idea, don’t hesitate to hit me up.