The credit portability process permits a customer to transfer a credit agreement from one financial institution to another through Open Banking, enabling better payment terms and lower fees.

This is a complex project due to the set of rules that this process must follow, including issues involving deadlines, cancellations, banking agreements, and debt repayment between banks.

Furthermore, the launch of this feature was required to meet a deadline defined by the Central Bank.

Skills: Figma, UI/UX, UX Writing, Prototyping, Animations, Mobile layout, User Journey Mapping, Design Systems, Accessibility, Wireframes

EARLY DEVELOPMENT

From the outset, we established a pre-defined structure for the project. On the client side, it was divided into two distinct categories: customers who had already granted Open Banking permissions and those who had not.

DEFENSE

From the bank’s perspective, we had to create a “defense” journey. This meant that banks receiving requests for portability to another bank could defend themselves by submitting a new proposal to the client within a three-day timeframe.

RESEARCH

We were left with three distinct journeys to develop, each with its own unique characteristics. We submitted the prototype for research, where we gathered valuable user feedback.

HANDOFF

We were left with three distinct journeys to develop, each with its own unique characteristics. We submitted the prototype for research, where we gathered valuable user feedback.

Bradesco is Brazil’s third-largest private bank, founded in 1943. It offers retail and corporate banking, asset management, and insurance, with a strong nationwide presence. The bank has been key to expanding financial inclusion and remains a major player in Brazil’s economic and financial development.