BIG LEO

FlowBank

FlowBank

Financial Services

A modern, trust-first digital

banking experience for

everyday transactions.

A modern, trust-first digital banking experience for everyday transactions.

A modern, trust-first digital banking experience for

everyday transactions.

Project Overview

Flowbank

Flowbank

Flowbank is a modern digital banking concept inspired by products like Opay, Moniepoint, Revolut, and Wise.
The goal was to design a reliable, scalable banking experience that works under real-world conditions like poor network, high user anxiety, and high-risk financial actions.

This project focuses on clarity, speed, and trust, while simulating how an enterprise-grade banking product is designed and shipped.

Flowbank is a modern digital banking concept inspired by products like Opay, Moniepoint, Revolut, and Wise.
The goal was to design a reliable, scalable banking experience that works under real-world conditions like poor network, high user anxiety, and high-risk financial actions.

This project focuses on clarity, speed, and trust, while simulating how an enterprise-grade banking product is designed and shipped.

The Problem

The Problem

The Problem

Most digital banking apps lose users early due to:

  • Confusing onboarding flows

  • Poor feedback during critical actions (OTP, transfers, verification)

  • Anxiety around money movement and security

  • Inconsistent UI across light/dark mode and platforms


In emerging markets (Nigeria and beyond), these problems are amplified by:

  • Unstable internet

  • Device limitations

  • First-time digital banking users

Most digital banking apps lose users early due to:

  • Confusing onboarding flows

  • Poor feedback during critical actions (OTP, transfers, verification)

  • Anxiety around money movement and security

  • Inconsistent UI across light/dark mode and platforms


In emerging markets (Nigeria and beyond), these problems are amplified by:

  • Unstable internet

  • Device limitations

  • First-time digital banking users

Goals

Goals

  • Reduce cognitive load during onboarding

  • Make money movement feel instant and transparent

  • Design for failure states, not just success

  • Build a scalable design system usable across mobile, web app, and website

  • Simulate how a real enterprise banking product is designed

  • Reduce cognitive load during onboarding

  • Make money movement feel instant and transparent

  • Design for failure states, not just success

  • Build a scalable design system usable across mobile, web app, and website

  • Simulate how a real enterprise banking product is designed

Design Principles

These principles guided every decision in Flowbank:

These principles guided every decision in Flowbank:

One primary action per screen

One primary action per screen

One primary action

per screen

Immediate feedback for every user action

Immediate feedback for every user action

Immediate feedback

for every user action

9:41

32

Add money

Fund your Flowbank account

Bank transfer

Free. Usually instant

Debit card

Instant. Fees may apply

Add money via debit card

Add money by entering your card details below.

$7,800.00

Card number

Expiry date

CVV

Card fees may apply.

Continue

Security should feel calm, not intimidating

Security should feel calm, not intimidating

Security should feel

calm, not intimidating

Consistency across light & dark mode

Consistency across light & dark mode

Consistency across

light & dark mode

9:41

32

Send Money

To Flowbank

Instant. No fees.

To other banks

Transfer to any Nigerian bank.

Continue

Core Banking Experience

Onboarding

Onboarding is the first trust checkpoint in any banking product. If users feel confused or uncertain here, they abandon early.


Approach

  • Short, focused welcome screens

  • Clear value proposition per screen

  • Progressive disclosure instead of dumping information

  • Predictable step-by-step verification


Outcome
A calm onboarding flow that prepares users for secure banking without friction.

Dashboard

The dashboard is designed to answer three questions instantly:

  • How much money do I have?

  • What just happened?

  • What can I do next?


Key elements

  • Balance clarity

  • Recent transactions

  • Primary actions surfaced without clutter

Send Money

Sending money is the most critical action in a banking app.


Flowbank supports:

  • Transfers to Flowbank users

  • Transfers to other banks


Design focus

  • Clear recipient confirmation

  • Transparent fees

  • Strong success and failure feedback

  • Retry and pending states for poor network conditions

Receive Money

Users can receive money through:

  • Account number

  • Username

  • QR code


Why this matters
Different users trust different methods. Flowbank lets users choose what feels safest to them.

Transaction History & Receipts

Financial history must be:

  • Easy to scan

  • Easy to verify

  • Easy to share


Features

  • Clean transaction list

  • Detailed transaction view

  • Shareable receipt

  • Clear status indicators (success, pending, failed)

Card Management

Flowbank includes a full virtual card experience.


Users can:

  • Create a virtual card

  • View masked details securely

  • Freeze / unfreeze cards instantly

  • Set spending limits

  • Review card-only transactions


Design intent
Give users a sense of control, not fear.

Profile & Security Settings

Security should feel empowering, not overwhelming.


Included features

  • Personal information management

  • PIN & password changes

  • Biometric authentication

  • Linked device management

  • Account limits & verification levels


Every security action provides:

  • Clear explanations

  • Confirmation feedback

  • Reversible actions where possible

Help & Support

Most banking apps fail users when things go wrong.

Flowbank’s support flow is designed for:

  • Speed

  • Clarity

  • Reduced frustration


Support options

  • Searchable help articles

  • Issue reporting

  • Live chat

  • Ticket tracking

Design System & Scalability

Flowbank was built with a token-based design system from day one.

System highlights

  • Color primitives → semantic tokens → component tokens

  • Full light & dark mode support

  • Typography scale using Outfit & Urbanist

  • Consistent spacing, radius, shadows, and effects

  • Variables used for colors, typography, spacing, and states


This system is designed to scale seamlessly into:

  • Web app

  • Marketing website

  • Future features

If you’re working on problems in this space,
I’d love to connect and have a conversation.

Hire me

If you’re working on problems in this space,
I’d love to connect and have a conversation.

Hire me

All rights reserved, all wrongs denied.

Leo the lion

BIG LEO

BIG LEO

BIG LEO

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