Tangerine is the banking innovation subsidiary of Scotiabank—one of Canada’s largest financial instititutions. My engagement with Tangerine was a multi-year, ground-up redo of the existing web-based banking application including Tangerine’s checking, savings, mortgages, and GIC accounts. We streamlined account sign-up, transactions, and customer education. We also designed and built new features such as a customizable dashboard, financial goal-setting, a “left to spend” monitoring feature, and comparative insights—allowing users to better understand their own spending and earning trends.
Users
Canadian citizens
Product Strategy
Streamline and reduce steps in the existing banking application; provide spending and saving insights to people of all income levels
Outcomes
Modernized technical stack to allow for better scaling
Faster load times on web application (varied by module)
Met new Canadian government compliance standards
Process Highlights
1.5+ years of feature development
On-site RITE testing with Canadian citizens of a variety of different income levels
Daily coordination between analysts, product managers, development teams, and QA team
About the Features
When transactions are king, speed is god. When it comes to viewing or using your own money, consumers won’t wait. We evaluated critical paths for a variety of accounts, and worked to streamline the onboarding and sign-up process. Then we built the streamlined system using a modernized and performant coding framework.
Tangerine now offers financial goal-setting, and a system that shows customized insights and reminders. To bring the application current, we added “Insights,” a system of helpful hints based on current balance, required direct actions from individual accounts, customizable alerts and warnings, and positive reinforcement for accomplishing goals.
Educate the audience. We designed “left to spend” help surface payments or deposits that have not yet cleared. The financial plan feature was designed to help customers compare their own data to de-identified peers / local averages in order to nudge people toward greater financial security.