Shipped 2024
Halden Onboarding
Client
Halden Bank
Year
2024
Role
Product designer
Duration
5 months
Team
1 designer, 1 PM, 4 engineers, 1 compliance lead
Platform
iOS and Android
The new flow: six steps from identity check to first card.
01
Context
Halden Bank is a digital-first regional bank with 300,000 retail customers. Its mobile account opening took 14 screens and asked for the same address three times. Six in ten people who started never finished.
The bank could not change what regulation required. The brief was to keep every legal check and still make opening an account feel like the first good experience with the bank.
02
My role
I was the only designer on the project, working with a product manager, four engineers and the bank’s compliance lead from the first week.
01
Mapped every field in the old flow to the rule that required it, with the compliance lead.
02
Removed duplicate questions and moved identity checks to the bank’s existing eID service.
03
Designed and prototyped the new six-step flow for iOS and Android.
04
Tested each version with 40 customers, including people opening their first account.
03
Process
Five months, with compliance in every review. Nothing shipped that the risk team had not seen first.
Fig. 01 · Field audit, every question mapped to its rule.
Fig. 02 · The six steps, from identity check to first card.
04
Results
6
Steps to open an account, down from 14 screens
71%
People who start and finish, up from 40%
4 min
Median time to open an account
The new flow went live in September 2024. Seven in ten people who start now open an account, and the median time fell to four minutes. The compliance team adopted the field audit as its template for every new product.
Noa cut our account opening in half without bending a single compliance rule. Our risk team signed off in one meeting.
Astrid Holm
Head of Digital Channels, Halden Bank
05
Reflection
I should have tested with older customers earlier. The eID step that felt instant to most people confused those who rarely used it. A short explanation screen fixed it, but it came two weeks late.
Fig. 03 · Address and income, prefilled from the eID check.
Fig. 04 · Welcome screen with the first card.
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