SEB Baltic
UX improvements for Internet Banking Payments Flow
SEB Baltic
UX improvements for Internet Banking Payments Flow
SEB Baltic
UX improvements for Internet Banking Payments Flow
YEAR
YEAR
YEAR
2023
2023
2023
ROLE
ROLE
ROLE
UX Designer
UX Designer
UX Designer
PRODUCT
PRODUCT
PRODUCT
Web Platform
Web Platform
Web Platform
TEAM
TEAM
TEAM

*** Due to confidentiality, this overview shares only high-level details. A more complete walkthrough is available during in-person presentations.
*** Due to confidentiality, this overview shares only high-level details. A more complete walkthrough is available during in-person presentations.
*** Due to confidentiality, this overview shares only high-level details. A more complete walkthrough is available during in-person presentations.

Ayo's profound knowledge of accessible content creation for people with impaired cognitive functions was critical to the project's success. The team's conclusions and suggestions gave us a plan forward with specific personas.
Ayo's profound knowledge of accessible content creation for people with impaired cognitive functions was critical to the project's success. The team's conclusions and suggestions gave us a plan forward with specific personas.
Ayo's profound knowledge of accessible content creation for people with impaired cognitive functions was critical to the project's success. The team's conclusions and suggestions gave us a plan forward with specific personas.

Esko, UX Product Owner
Esko, UX Product Owner
Esko, UX Product Owner
PROJECT OVERVIEW
PROJECT OVERVIEW
PROJECT OVERVIEW
Working as part of a team of UX designers, we audited SEB’s internet banking platform in response to new accessibility regulations. Our research surfaced the transfer page as a critical area where older users and customers with accessibility needs faced barriers.
Through research, usability testing, and a customer journey map, we identified key challenges: unclear labels, poor discoverability of transfer actions, and trust gaps in confirmation steps. Many of these were “lower-hanging” problems that could be addressed without major system overhauls.
Working as part of a team of UX designers, we audited SEB’s internet banking platform in response to new accessibility regulations. Our research surfaced the transfer page as a critical area where older users and customers with accessibility needs faced barriers.
Through research, usability testing, and a customer journey map, we identified key challenges: unclear labels, poor discoverability of transfer actions, and trust gaps in confirmation steps. Many of these were “lower-hanging” problems that could be addressed without major system overhauls.
Working as part of a team of UX designers, we audited SEB’s internet banking platform in response to new accessibility regulations. Our research surfaced the transfer page as a critical area where older users and customers with accessibility needs faced barriers.
Through research, usability testing, and a customer journey map, we identified key challenges: unclear labels, poor discoverability of transfer actions, and trust gaps in confirmation steps. Many of these were “lower-hanging” problems that could be addressed without major system overhauls.




Different payment types are difficult to understand
Different payment types are difficult to understand
Different payment types are difficult to understand
Form fields use confusing terms and labels
Form fields use confusing terms and labels
Form fields use confusing terms and labels
Repeat transfers are difficult for users to find
Repeat transfers are difficult for users to find
Repeat transfers are difficult for users to find
Transfer confirmation details are not always clear
Transfer confirmation details are not always clear
Transfer confirmation details are not always clear
No easy way to undo or mitigate security risks and mistakes
No easy way to undo or mitigate security risks and mistakes
No easy way to undo or mitigate security risks and mistakes
MY ROLE - RETHINKING THE PAYMENT FLOW
MY ROLE - RETHINKING THE PAYMENT FLOW
MY ROLE - RETHINKING THE PAYMENT FLOW
I redesigned the transfer page to simplify the flow and improve clarity. Updates included clearer hierarchy, stronger affordances for recurring tasks (like bill payments and recent transfers), and inline explanations to reduce uncertainty. Prototypes were validated with users to ensure alignment with WCAG principles while staying consistent with SEB’s design system.
I redesigned the transfer page to simplify the flow and improve clarity. Updates included clearer hierarchy, stronger affordances for recurring tasks (like bill payments and recent transfers), and inline explanations to reduce uncertainty. Prototypes were validated with users to ensure alignment with WCAG principles while staying consistent with SEB’s design system.
I redesigned the transfer page to simplify the flow and improve clarity. Updates included clearer hierarchy, stronger affordances for recurring tasks (like bill payments and recent transfers), and inline explanations to reduce uncertainty. Prototypes were validated with users to ensure alignment with WCAG principles while staying consistent with SEB’s design system.
DELIVERED SOLUTION
DELIVERED SOLUTION
DELIVERED SOLUTION
We re-imagined the payment flow to surface clarity, boost discoverability, and restore confidence. Clear hierarchy, repeat-transfer shortcuts, and inline guidance made the experience feel more intuitive — without overhauling the entire system.
We re-imagined the payment flow to surface clarity, boost discoverability, and restore confidence. Clear hierarchy, repeat-transfer shortcuts, and inline guidance made the experience feel more intuitive — without overhauling the entire system.
We re-imagined the payment flow to surface clarity, boost discoverability, and restore confidence. Clear hierarchy, repeat-transfer shortcuts, and inline guidance made the experience feel more intuitive — without overhauling the entire system.
Ayomide Omole - Personal Account
Ayomide Omole - Personal Account
Ayomide Omole - Personal Account
EE531010011811985225
EE531010011811985225
EE531010011811985225
Change Account
Change Account
Change Account
18,00 EUR - Insufficient Funds Available
18,00 EUR - Insufficient Funds Available
18,00 EUR - Insufficient Funds Available
Transaction Succesful
Transaction Succesful
Transaction Succesful
You’ve sent €120.00 to Saare Pagarikoda OÜ (EE38 2200 2210 1234 5678). The money should arrive in 2 days.
You’ve sent €120.00 to Saare Pagarikoda OÜ (EE38 2200 2210 1234 5678). The money should arrive in 2 days.
You’ve sent €120.00 to Saare Pagarikoda OÜ (EE38 2200 2210 1234 5678). The money should arrive in 2 days.
Save Transfer
Save Transfer
Save Transfer
Share Transfer
Share Transfer
Share Transfer
Beneficiary Details
Beneficiary Details
Beneficiary Details
Change
Change
Change
Beneficiary’s name
Beneficiary’s name
Beneficiary’s name
Gregor Lehtme
Gregor Lehtme
Gregor Lehtme
Account details
Account details
Account details
EE74847393040484303083
EE74847393040484303083
EE74847393040484303083
Country
Country
Country
Estonia
Estonia
Estonia
Transfer Details
Transfer Details
Transfer Details
Amount
Amount
Amount
3 500,00 EUR
3 500,00 EUR
3 500,00 EUR
Transfer Fees
Transfer Fees
Transfer Fees
0 EUR
0 EUR
0 EUR
Payment Description
Payment Description
Payment Description
Veel uks piim
Veel uks piim
Veel uks piim
Payment Description
Payment Description
Payment Description
0012
0012
0012


