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

Youve sent 120.00 to Saare Pagarikoda OÜ (EE38 2200 2210 1234 5678). The money should arrive in 2 days.

Youve sent 120.00 to Saare Pagarikoda OÜ (EE38 2200 2210 1234 5678). The money should arrive in 2 days.

Youve 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

Next Project

Next Project

Next Project

Security Advisor

Security Advisor

Security Advisor

| Protection Summary

| Protection Summary

| Protection Summary

Ransomware Rollback helps minimize downtime and financial loss by automatically restoring encrypted files after an attack. With multiple ransomware attempts and unprotected endpoints detected, enabling Rollback can drastically cut recovery time and reduce costly incident impact. It’s a simple setup that delivers strong, measurable ROI in resilience and continuity.

Ransomware Rollback helps minimize downtime and financial loss by automatically restoring encrypted files after an attack. With multiple ransomware attempts and unprotected endpoints detected, enabling Rollback can drastically cut recovery time and reduce costly incident impact. It’s a simple setup that delivers strong, measurable ROI in resilience and continuity.

Ransomware Rollback helps minimize downtime and financial loss by automatically restoring encrypted files after an attack. With multiple ransomware attempts and unprotected endpoints detected, enabling Rollback can drastically cut recovery time and reduce costly incident impact. It’s a simple setup that delivers strong, measurable ROI in resilience and continuity.

YOUR ENVIRONMENT DIAGNOSTICS

YOUR ENVIRONMENT DIAGNOSTICS

YOUR ENVIRONMENT DIAGNOSTICS

13 Incidents

13 Incidents

13 Incidents

File encryption activity

File encryption activity

File encryption activity

$19,000

$19,000

$19,000

Potential losses

Potential losses

Potential losses

Malwarebytes (2025)

Malwarebytes (2025)

Malwarebytes (2025)

Security Advisor AI

Security Advisor AI

Security Advisor AI

Defining How AI Lives Within Cybersecurity Analyst Workflows

Defining How AI Lives Within Cybersecurity Analyst Workflows

Defining How AI Lives Within Cybersecurity Analyst Workflows

©2025 Ayo Omole • {no}coded with love & coffee

©2025 Ayo Omole • {no}coded with love & coffee

©2025 Ayo Omole • {no}coded with love & coffee