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Awarding Three in One Neo Bank app & Brand for Gen Z

Experience | Finance

Awarding Three in One Neo Bank app & Brand for Gen Z

Results 

200k

Active monthly users

4 . 7

App store rating

Banking made for yuh culture not theirs!

Yuh’s core ambition was to: “become the first platform for anyone who wants to achieve financial freedom by helping clients to spend smarter and invest more.” It would weave investing, saving and banking together in a way that broke down traditional barriers.

Yuh wanted to demystify the world of stocks, shares, crypto and day-to-day banking and prove that you didn’t have to be a financial whiz or hedge fund manager – all you needed was Yuh.

Yuh’s core ambition was to: “become the first platform for anyone who wants to achieve financial freedom by helping clients to spend smarter and invest more.” It would weave investing, saving and banking together in a way that broke down traditional barriers.

Yuh wanted to demystify the world of stocks, shares, crypto and day-to-day banking and prove that you didn’t have to be a financial whiz or hedge fund manager – all you needed was Yuh.

  • Beginning with shared understanding

    At the outset of the project, Swissquote’s Yuh team presented us with two sets of existing thinking. The first was a structured MVP composed of 27 requirements framing what the app had to do. These requirements covered core functionality as well as what we call ‘hygiene’ factors, which are features that every investing or banking app need to deliver.

    Building on core functionality, we would then include other features that would create and deliver unique and tailored user experiences. These would be supplemented by a focus on a multi-currency credit card and, critically, a simplification of the investment ‘universe.’ This meant we could actively help users make better and more informed choices.

    Their second set of requirements was an initial guide to the brand covering their values and the key three pillars of Yuh’s proposition: ‘Pay’, ‘Save’ and ‘Invest’. Our brief was to turn these requirements and initial thinking into a market winning app that could scale globally.


    Investing in experience excellence

    The Yuh team in Switzerland also showed us that behind the proposition was complex data that we had to make easy to understand, as well as delightful to engage with. This is true of our work where we can so often mistakenly think experience is all about design and style.

    Really, it’s the systems we help put in place to keep the experience consistent and relevant, but also back-end systems and data the organisation requires to run the business. A great experience not only takes care of what the customer touches, but also covers the back-end systems that help measure and manage it. This is what we refer to as total experience – the business and customer together.

    This perspective helped guide the creation of the Yuh brand and helped us put the customer at the heart of everything we did. Ultimately helping us to challenge the banking sector with a unique experience and tailored approach. Yuh became something fresh, bold, fun and exciting – essentially a new ‘21st century modern’.


    Providing skills and leadership in integrated teams


    We all know the best way to design is collaboratively. Collaborative working provides common goals and allows a shared sense of purpose to emerge – we call this a One Team approach. Nomensa complemented Swissquote by providing additional capabilities and expertise across a spectrum of skills.


    Once we had established a one team approach, we then worked in design sprints to ensure we could tackle their requirements at pace, shaping the customer experience and brand within their ambitious timescales. This ensured validation through testing within each sprint too.


    We also decided to form a core, dedicated team with what we called ‘orbiting skills’ to support. This included a core team of six T-shaped individuals across UX, design and project management. We also tapped into our skills pool of Motion Graphic experts, App Developers, Information Architecture (IA) leads and Content Designers.


    Scaling without sacrificing unique experiences


    By thinking not only about today, but what tomorrow would mean for Yuh, we were able to develop a truly scalable structure that could flex and overcome future challenges and challengers. The experience strategy we crafted provided a roadmap for requirements development and integration, whilst also allowing prioritisation and validation as we moved through the tight timescales.


    This can be seen in each and every detail of the app and site today. And it also meant scaling outside of digital. We even looked at how the design would be applied on physical debit cards, using metal blanks printed with sample branding to see if designs would translate well as well on and off screen.


    Equally, we knew that this was not just about an app. There was potential that a web-based service would also emerge and so we knew that any IA should be developed with one eye on other platforms, too.


    An atomic approach


    We applied an atomic approach so Yuh could scale. This meant creating a structure that could keep feeding the expansion of the proposition and the products within it.


    We also worked out that the visual design needed to mirror the IA approach, providing a structure with flexible and relevant options so that either marketers or product owners would have greater chance of responding quickly to user needs.


    Our design system had to be bold, playful and, most importantly, human. Being human was vitally important as it’s one of Nomensa’s core values, too. Shared values and purpose often result in a shared focus and therefore, better outcomes. This was certainly true working with the Yuh team. It allowed us to craft a unique style of experience.


    Illustrating a universe


    What we needed was a unique style that would not only support and strengthen the brand but deliver a joyful feeling to every interaction with the app. And our illustration library wouldn’t just be great to look at, it represented a vital component of the overall design system that we provided.


    It included both animated and static versions from the outset allowing us to build a design system strategically and intentionally with consistency, versatility and scalability at the core.


    Watch our webinar ‘How to use illustration to improve UX’

    Our atomic approach meant illustrations were boiled down to their most intrinsic parts (think backdrop, props and characters) and could be rebuilt by their team in a myriad of ways.


    Our close collaboration with Swissquote captured their ambitions throughout the process and instilled in them confidence to continue using the design system across their estate long after launch.


    Designing a global mindset


    Knowing that the app rollout would eventually be global, we felt having a visual language led by a modern illustrative style would be key to clear communication and international recognition.


    Initial languages were English, French, Italian and German, and we tested label lengths and text-based components to ensure consistency. This is especially important with the German language due to its famously long construction. This underlined the importance of getting the IA right from the start.


    We knew that if the design supported German, without breaking the experience and style we were good to go. But we also went further to make sure that different global alphabets (Cyrillic, Far East especially) would also work in the font and designs chosen as we knew this would minimise future work when adapting the interfaces for specific markets.


    Launch and legacy


    By supporting the Yuh development team right up to launch, they were able to apply the design framework exactly as conceived and tested. Like all our strategic design work, this was about the potential outcome and not the outputs.

    A significant aspect of our legacy has been the the partnership we formed with Swissquote and the Yuh project team – a testimony to the way we worked. Blending Swissquote’s sector knowledge and their passion for the Yuh brand with Nomensa’s experience design skills has set Yuh up for maximum advantage.


    Let’s work together


    We believe that creating groundbreaking experiences that make measurable differences in the way people live takes a special type of collaboration. Our team designs impactful experiences by leaning on the variety of capabilities and expertise within Nomensa to ensure our solution is bespoke to your needs. We believe collaboration is key, let’s work together.

Designing a new digital proposition to make investing more accessible and fun, with experience as a differentiator, required a special kind of digital partner. We found that partner in GAIN Experience. They helped us realise our ambitions across all the dimensions of User Experience to shape an end result we are very proud of and expect to do very well.


Markus Schwab CEO of Yuh

Beginning with shared understanding

At the outset of the project, Swissquote’s Yuh team presented us with two sets of existing thinking. The first was a structured MVP composed of 27 requirements framing what the app had to do. These requirements covered core functionality as well as what we call ‘hygiene’ factors, which are features that every investing or banking app need to deliver.

Building on core functionality, we would then include other features that would create and deliver unique and tailored user experiences. These would be supplemented by a focus on a multi-currency credit card and, critically, a simplification of the investment ‘universe.’ This meant we could actively help users make better and more informed choices.

Their second set of requirements was an initial guide to the brand covering their values and the key three pillars of Yuh’s proposition: ‘Pay’, ‘Save’ and ‘Invest’. Our brief was to turn these requirements and initial thinking into a market winning app that could scale globally.


Investing in experience excellence

The Yuh team in Switzerland also showed us that behind the proposition was complex data that we had to make easy to understand, as well as delightful to engage with. This is true of our work where we can so often mistakenly think experience is all about design and style.

Really, it’s the systems we help put in place to keep the experience consistent and relevant, but also back-end systems and data the organisation requires to run the business. A great experience not only takes care of what the customer touches, but also covers the back-end systems that help measure and manage it. This is what we refer to as total experience – the business and customer together.

This perspective helped guide the creation of the Yuh brand and helped us put the customer at the heart of everything we did. Ultimately helping us to challenge the banking sector with a unique experience and tailored approach. Yuh became something fresh, bold, fun and exciting – essentially a new ‘21st century modern’.


Providing skills and leadership in integrated teams


We all know the best way to design is collaboratively. Collaborative working provides common goals and allows a shared sense of purpose to emerge – we call this a One Team approach. Nomensa complemented Swissquote by providing additional capabilities and expertise across a spectrum of skills.


Once we had established a one team approach, we then worked in design sprints to ensure we could tackle their requirements at pace, shaping the customer experience and brand within their ambitious timescales. This ensured validation through testing within each sprint too.


We also decided to form a core, dedicated team with what we called ‘orbiting skills’ to support. This included a core team of six T-shaped individuals across UX, design and project management. We also tapped into our skills pool of Motion Graphic experts, App Developers, Information Architecture (IA) leads and Content Designers.


Scaling without sacrificing unique experiences


By thinking not only about today, but what tomorrow would mean for Yuh, we were able to develop a truly scalable structure that could flex and overcome future challenges and challengers. The experience strategy we crafted provided a roadmap for requirements development and integration, whilst also allowing prioritisation and validation as we moved through the tight timescales.


This can be seen in each and every detail of the app and site today. And it also meant scaling outside of digital. We even looked at how the design would be applied on physical debit cards, using metal blanks printed with sample branding to see if designs would translate well as well on and off screen.


Equally, we knew that this was not just about an app. There was potential that a web-based service would also emerge and so we knew that any IA should be developed with one eye on other platforms, too.


An atomic approach


We applied an atomic approach so Yuh could scale. This meant creating a structure that could keep feeding the expansion of the proposition and the products within it.


We also worked out that the visual design needed to mirror the IA approach, providing a structure with flexible and relevant options so that either marketers or product owners would have greater chance of responding quickly to user needs.


Our design system had to be bold, playful and, most importantly, human. Being human was vitally important as it’s one of Nomensa’s core values, too. Shared values and purpose often result in a shared focus and therefore, better outcomes. This was certainly true working with the Yuh team. It allowed us to craft a unique style of experience.


Illustrating a universe


What we needed was a unique style that would not only support and strengthen the brand but deliver a joyful feeling to every interaction with the app. And our illustration library wouldn’t just be great to look at, it represented a vital component of the overall design system that we provided.


It included both animated and static versions from the outset allowing us to build a design system strategically and intentionally with consistency, versatility and scalability at the core.


Watch our webinar ‘How to use illustration to improve UX’

Our atomic approach meant illustrations were boiled down to their most intrinsic parts (think backdrop, props and characters) and could be rebuilt by their team in a myriad of ways.


Our close collaboration with Swissquote captured their ambitions throughout the process and instilled in them confidence to continue using the design system across their estate long after launch.


Designing a global mindset


Knowing that the app rollout would eventually be global, we felt having a visual language led by a modern illustrative style would be key to clear communication and international recognition.


Initial languages were English, French, Italian and German, and we tested label lengths and text-based components to ensure consistency. This is especially important with the German language due to its famously long construction. This underlined the importance of getting the IA right from the start.


We knew that if the design supported German, without breaking the experience and style we were good to go. But we also went further to make sure that different global alphabets (Cyrillic, Far East especially) would also work in the font and designs chosen as we knew this would minimise future work when adapting the interfaces for specific markets.


Launch and legacy


By supporting the Yuh development team right up to launch, they were able to apply the design framework exactly as conceived and tested. Like all our strategic design work, this was about the potential outcome and not the outputs.

A significant aspect of our legacy has been the the partnership we formed with Swissquote and the Yuh project team – a testimony to the way we worked. Blending Swissquote’s sector knowledge and their passion for the Yuh brand with Nomensa’s experience design skills has set Yuh up for maximum advantage.


Let’s work together


We believe that creating groundbreaking experiences that make measurable differences in the way people live takes a special type of collaboration. Our team designs impactful experiences by leaning on the variety of capabilities and expertise within Nomensa to ensure our solution is bespoke to your needs. We believe collaboration is key, let’s work together.

Yuh’s core ambition was to: “become the first platform for anyone who wants to achieve financial freedom by helping clients to spend smarter and invest more.” It would weave investing, saving and banking together in a way that broke down traditional barriers.

Yuh wanted to demystify the world of stocks, shares, crypto and day-to-day banking and prove that you didn’t have to be a financial whiz or hedge fund manager – all you needed was Yuh.

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