Fullrange Microfinance Bank

Fullrange Microfinance Bank needed a mobile banking application to give their customers convenient access to financial services. The brief came with a feature list, including some features I had not designed before, and a clear directive: make it accessible, trustworthy, and useful for customers who may not be highly tech-literate.

One of the standout features of this project was a security mechanism I designed around a threat that standard banking apps rarely address directly: coercion. In environments where physical safety is a real concern, a user who is forced to reveal their PIN faces an immediate risk from their account balance being visible. I designed a false PIN system where the user sets a secondary PIN that, when entered, displays a false balance capped at 2,000 naira. The real account is never accessed. The user can credibly hand over their phone, and the attacker sees nothing of value.

This feature became a standout differentiator for the product.

The initial savings design used a single vault model with strict access restrictions. User feedback revealed that this was too inflexible: customers wanted to save meaningfully but also needed occasional access to their funds. Rather than loosening the vault, I introduced two distinct savings products. The standard savings account offers flexible access. The vault maintains strict access restrictions for users who specifically want the discipline of a locked account. This gave users agency over their own financial behavior rather than imposing a one-size approach.

Virtual cards with multiple design options, giving users personalisation within the app

Light and dark mode implemented consistently across all flows using Figma local variables

Iterative design process with client and user feedback integrated throughout