Yana Diadchenko
Test from the Renaissance Bank
Renaissance Broker, an investment app that combines an intuitive, learning interface for beginners with advanced analytical tools for professionals, allowing each user to easily start. Invest and manage your portfolio effectively.
I had no investment experience, so I first spoke with a friend who had been investing for several years. I learned which features he used most often and what mattered to him in an investment app. These insights helped me focus the research.
I also studied the investing fundamentals needed to understand how financial instruments work. ChatGPT helped me unpack complex terminology and summarize lengthy articles and research, saving considerable time at this stage.
There is an investment section in the application of the bank, and I decided to start with its analysis. The lack of visual accents, some important features for investment management and a unique design that would distinguish the application from the competition are only part of the problems of the current solution.
I analyzed the interfaces of 5 competitors: Alpha Investments, T-Investments, MTS Investments, Raiffeisen Investments and Sber Investments.
Pros: extensive investment management tools, training materials, analyst advice, ready-made strategies for beginners, portfolio analytics with industry filtering, application history.
Cons: In some applications (Rife and Sber) a reduced selection of the type of application, which may not be suitable for advanced investors.
In Alpha Investments, the choice of application type varies depending on the tariff (on the Pro tariff there are additional options)
The T-Investment app stands out from other competitors with its “Pulse” – a social network for investors
Modern services strive to combine extensive tools with a simplified entrance for beginners. This approach confirms the idea of Research by UsabilityLabThe more affordable investment products become for the mass user, the more important it is to provide a clear presentation of complex functions and at the same time preserve advanced functionality for advanced investors.
These users tend to have significant life and professional experience, allowing them to navigate financial markets with confidence.
These are users who are actively gaining experience in investing, often at the stage of career and financial growth. The level of income allows them to start investing, and the growth of income over time can contribute to an increase in the amount of investment.
Young professionals and aspiring professionals who are just getting acquainted with the world of investment. Limited financial opportunities can slow the start of active investments, despite high interest in training and market research.
People for whom investment is not a top priority or who are temporarily unable to pay attention. The level of income indicates sufficient, but not always stable financial opportunities, which is reflected in the irregular use of the application.
These are people who have already achieved certain career and financial successes, but are looking for new ways to increase capital. Often have a good education and experience in personal finance management, but may not have in-depth knowledge of investing.
Created hypotheses in JTBD format and prioritized them by RICE
Creating a separate investment app, Renaissance Broker, will affect several key metrics:
If the new design is successful, the bank will see growth in user base, engagement and investment returns.
In the process of working on the case, I had to quickly delve into a new and rather difficult topic for me. The result is an investment app design that combines the functionality experienced investors need with an intuitive interface:
It is important not just to introduce investment tools, but to make them as transparent and understandable as possible to help customers better master new products for them.
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