Multi-wallets
Allow Shine customers to create an additional bank account to better manage their cash flow.
— Intro
Overview
Shine offers an online professional account and to improve business management. (SMEs* and VSEs*)
The multi-wallet feature represents several challenges for Shine: continuing to offer a competitive offer, satisfying our customers (the most requested feature), increasing the money left by our customers in their Shine account.
Shine offers an online professional account and to improve business management. (SMEs* and VSEs*)
The multi-wallet feature represents several challenges for Shine: continuing to offer a competitive offer, satisfying our customers (the most requested feature), increasing the money left by our customers in their Shine account.
My contribution
My contribution
Product strategy
User research
Product design
User test
QA
Product strategy
User research
Product design
User test
QA
Team
Team
1 Product Manager
1 Product Designer
1 Team of Developers
1 Product Manager
1 Product Designer
1 Team of Developers
Project year
Project year
2024
2024
— Discovery
User needs and expectations
After a first analyse based on user requests on Canny or by the support, we had a first idea of what users want to do with sub-wallets, but still interrogations. To deepen our first hypotheses and data, we conducted physical and online user interviews.
After a first analyse based on user requests on Canny or by the support, we had a first idea of what users want to do with sub-wallets, but still interrogations. To deepen our first hypotheses and data, we conducted physical and online user interviews.
72%
of respondents need sub-wallets to save for expenses and charges.
of respondents need sub-wallets to save for expenses and charges.
44%
of respondents are attracted by the automatic aspect that could bring sub-wallets (automatic topup, automatic withdrawals)
of respondents are attracted by the automatic aspect that could bring sub-wallets (automatic topup, automatic withdrawals)
16%
of respondents are not familiar with the principle of sub-wallets and would not know how to use it.
of respondents are not familiar with the principle of sub-wallets and would not know how to use it.
— Definition
Design challenges
After defining the MVP prioritization with the project stakeholders, I was able to design the different user journeys on mobile and web app. In this case I will only present the mobile version.
After defining the MVP prioritization with the project stakeholders, I was able to design the different user journeys on mobile and web app. In this case I will only present the mobile version.
Mobile entry points
How can users access to the feature of sub-wallets on the mobile app?
How can users access to the feature of sub-wallets on the mobile app?
How can users access to the feature of sub-wallets on the mobile app?
#1 Quick access in the transaction list
#1 Quick access in the transaction list
#1 Quick access in the transaction list
#2 Access in the transfer flow
#2 Access in the transfer flow
#2 Access in the transfer flow
Highlight value
How to make users understand the value of sub-wallets for managing their finances?
How to make users understand the value of sub-wallets for managing their finances?
How to make users understand the value of sub-wallets for managing their finances?
#1 Carrousel to explain value
#1 Carrousel to explain value
#1 Carrousel to explain value
#2 Show usage examples
#2 Show usage examples
#2 Show usage examples
Impact on the most used flows
During this project we proposed a new type of transfer: internal transfers, from one account to another.
In parallel, other new types of transfer are planned. We therefore conducted a project to redesign the transfer flows on web and mobile applications.
During this project we proposed a new type of transfer: internal transfers, from one account to another.
In parallel, other new types of transfer are planned. We therefore conducted a project to redesign the transfer flows on web and mobile applications.
During this project we proposed a new type of transfer: internal transfers, from one account to another.
In parallel, other new types of transfer are planned. We therefore conducted a project to redesign the transfer flows on web and mobile applications.
Discover this Project
— Develop
User test
We undertook user tests to ensure that the navigation on the mobile application was well understood. As the results obtained being positive, we were able to plan the production launch.
We undertook user tests to ensure that the navigation on the mobile application was well understood. As the results obtained being positive, we were able to plan the production launch.
95%
Success score for creating a sub-wallet
Success score for creating a sub-wallet
94%
Success score for transfering money into a sub-wallet
Success score for transfering money into a sub-wallet
96%
Success score for filtering transactions by wallet
Success score for filtering transactions by wallet
88%
Success score to access IBAN
Success score to access IBAN
— Delivery & improvements
To go further during the launch
The production launch was done step by step in order to continuously test on smaller volumes. During this time we identified initial improvements to be made.
The production launch was done step by step in order to continuously test on smaller volumes. During this time we identified initial improvements to be made.
Mobile visibility
Since there is no "Sub-account" menu, access to this feature is discreet on mobile. In order to increase visibility on the entry point I made an animation to attract the eye.
Since there is no "Sub-account" menu, access to this feature is discreet on mobile. In order to increase visibility on the entry point I made an animation to attract the eye.
Animation to highlight entry point
Animation to highlight entry point
Animation to highlight entry point
Upselling
Access to this feature depends on the customer's offer. For Basic plans no sub-accounts are available, and for higher plans you could access to 1, 4 or 9 additional wallets.
To maximize the upsell we have thought about the different paths in which the upsell is possible: when the feature is not available, but also when the limit is reached.
Access to this feature depends on the customer's offer. For Basic plans no sub-accounts are available, and for higher plans you could access to 1, 4 or 9 additional wallets.
To maximize the upsell we have thought about the different paths in which the upsell is possible: when the feature is not available, but also when the limit is reached.
— End
Outcome
The release of this feature has been well received by our users. It has increased upgrades at Shine by 14%. Of all upgrades, 30% are related to multi-wallet flow. The balance on our customers' accounts has also increased.
Sub-accounts are a new building block that will allow Shine to offer more services to its customers, such as automated payments to dedicated accounts, or the possibility of sharing access to specific accounts.
The release of this feature has been well received by our users. It has increased upgrades at Shine by 14%. Of all upgrades, 30% are related to multi-wallet flow. The balance on our customers' accounts has also increased.
Sub-accounts are a new building block that will allow Shine to offer more services to its customers, such as automated payments to dedicated accounts, or the possibility of sharing access to specific accounts.
