Work

Business banking a small business owner can run from a phone

Novo set out to build business banking for US small businesses. I was the first designer, so the mobile app, the web app and the internal admin tools all started as blank files on my screen.

Role
Founding / Lead Product Designer
Timeline
Jan 2016 to Mar 2022
Platforms
iOS, Android, web app, marketing site, internal admin
Team
Remote across the US, Europe and Asia. Product and engineering in New York
In thirty seconds

The problem

Opening and running a US business account meant a branch visit, a stack of paperwork and bank jargon. Small business owners live on their phones.

What I did

First designer. Mobile, web and admin from zero, then the design system across five surfaces, then the team.

What changed

A category-defining fintech on one system across five surfaces, with funnels that fed activation.

+38%
onboarding completion after the KYC redesign
10min
to open a business account, down from a branch visit
+24%
activation from the redesigned landing pages and funnels
5surfaces
iOS, Android, web, marketing and admin on one system
Screens
Your business
Legal business name
EIN
Industry
Business address
Continue
Onboarding and KYCFewer fields per step, plain-language labels, progress you can see.
Send money
From
To
Amount
Review transfer
TransfersFrom, to, amount, review. Nothing else on the screen.
Cards
Freeze card
Online payments
ATM withdrawals
Spending limit
Card controlsFreeze, limits and permissions in one place, each a single switch.
ApplicationsAccountsTransfersRiskSupport
Applications
ReviewApprovedDeclined
Review
Approved
Review
Approved
Internal adminThe same system, turned toward the people reviewing applications.

Schematic screens, not screenshots. The real ones are in the full case study.

Context

Banking was built for branches. Small business owners live on their phones.

Opening a business account in the US used to mean a branch visit, a stack of documents and a wait. Novo wanted the whole thing to happen on a phone, with the day-to-day of running the account designed around how owners actually work: fast, on the move, and allergic to bank jargon.

How I found out

Research before commitment.

Each flow was tested with business owners before it shipped. Onboarding and KYC got the most rounds, because that is where a new bank loses people. What the tests kept showing was the same thing: fewer decisions per step, plain language for every bank term, and progress you can see.

What I did

Fewer steps, clearer decisions, one system underneath.

Simplified the workflows that usually make banking painful: onboarding and KYC, transfers, card controls, integrations and statements. Each one got fewer steps and clearer decisions, and each was tested with real business owners before it shipped.

Then I architected the design system across iOS, Android, web, the marketing site and admin, with the component library and documentation that let design and engineering scale without drift. It started as a way to keep myself consistent and grew into the thing that let a bigger team move fast.

The system started as a way to keep one designer consistent. It became the thing that let the whole team move fast.

With the team

Remote across three continents, reviewed screen by screen.

A fully remote team across the US, Europe and Asia, with product and engineering in New York. As the team grew I moved into leading design, mentoring on hierarchy, spacing and interaction patterns, and I still reviewed every screen before it shipped. I also contributed to product planning and company-wide OKRs.

What changed

A category-defining fintech on a system that held across five surfaces.

Novo grew from an idea into a category-defining fintech. The onboarding funnels and landing pages I designed became a steady source of lead generation and activation.

After launch

What happened next.

add yoursWhat the months after launch looked like: adoption, what the team kept, what was cut, and the follow-up work it led to. Two or three sentences are enough.

What I’d do differently

One thing I got wrong, and what I learned from it.

add yoursReviewers trust a case study more when it admits a misstep. Name one call that did not land, what it cost, and what you do differently now because of it.

Let’s talk

Which workflow is costing you the most right now?

Onboarding that leaks customers. An operations queue that still runs on phone calls. A design team that needs a lead. Tell me which one, and I’ll bring design, AI and twelve years of taking flows like that end to end.

Thirty minutes to start. You describe the product and what is slowing it down. I tell you honestly whether I’m the right person for it, and if not, who might be.