SBOF Mortgage 저당권 등기 인터페이스 by Sber is a highly esteemed winner of the very prestigious 2022 A' Design Award 철상 in 인터페이스, 인터랙션 및 사용자 경험 디자인 Competition Category.

철인터페이스· 2022

SBOF Mortgage 저당권 등기 인터페이스

by Sber

Client: Sber

A' Design Award 철상 Winner in 인터페이스 Category

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Verified Award Winner

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View at A' Design Award Press Release Award Badge

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The Design

About SBOF Mortgage 저당권 등기 인터페이스

SBOF Mortgage는 저당권의 전자 등기와 부동산 권리 제한 사항의 말소를 위한 웹 인터페이스입니다. 이 시스템을 통해 은행 직원과 고객은 원격으로 국가 등기 신청서를 제출하고 그 진행 상태를 추적할 수 있습니다. 각 직원에게는 전자 서명과 개인 계정이 부여되며, 업무는 상태와 우선순위에 따라 자동으로 배정됩니다. 신청 데이터는 은행 여신 시스템에서 가져오므로 양식이 자동으로 입력되고, 반복 신청은 단 몇 분이면 완료됩니다. 레이아웃은 데스크톱, 태블릿, 스마트폰 화면에 맞게 적응형으로 구현되었습니다.

The Recognition

About the A' Design Award 철상

SBOF Mortgage 저당권 등기 인터페이스, 이 작품은 A' Design Award 철상 수상작으로, 잘 디자인된 창작물에 기대되는 전문적·산업적 요건을 충족하는 좋은 디자인에 수여되는 권위 있는 인정입니다. 철상 수상작은 창작자의 뛰어난 기술, 높은 전문성, 전문가다운 이해, 창의적 역량을 보여 줍니다. SBOF Mortgage 저당권 등기 인터페이스, 이 작품은 높이 평가받고 감탄과 사랑을 받는 창작물로서 실용적이고 혁신적일 것으로 기대됩니다. 이 철상 수상 디자인은 업계 모범 사례를 통합하며 노하우와 재능으로 연결된 유능한 기술적 특성을 갖추고 있습니다. SBOF Mortgage 저당권 등기 인터페이스, 이 작품은 철저함으로 존중받으며 삶의 질을 개선하여 세상을 더 나은 곳으로 만들도록 디자인되었습니다.

Behind the Design

Press Kit

Credits, team members and technical details provided by the designer.

Unique Properties: In case there are several employees in the department the system can also automatically assign them tasks. Tickets are assigned based on their status and priority. Each employee is issued an electronic signature and has an individual personal account. The notification system allows to track updates in the service and changes in the status of applications. Registration of repeated applications takes only several minutes, thanks to the user data storage and automatic filling of forms added to the system. Number of users working in the system: 263 in January 2021; 1 085 in January 2022.
Dimensions & Packaging: Separate files are created for individual functions in Figma. Prototypes inside of the functions consist of logical modules that are associated with the main flow during the iterative development of the functionality. For each scenario, analysts describe a user path in Confluence. The project assumes adaptive design, the service is designed to use extensions for desktop, tablet and smartphone. The main Ant.Design design library has been adapted and refined taking into account the general style of the Bank, as well as based on the objectives of the team work.
Tags: Bank, Banking, Finance, B2B, Interface, UX/UI, Internet, App, Mobile, Web, Responsive, Automation
Production Technology: Task management: Confluence; Jira;
The design development was carried out in two stages. First we worked with a stack for design, prototyping and transfer to development: Sketch, Principle, Zeplin. Then, all work on layouts was transferred to Figma.
Ant.Design and elements of the Triplex internal banking system were used as component libraries.
The interface was changing by stages, and the effectiveness of the changes was monitored quantitatively and qualitatively through internal statistics, metrics, surveys, feedback collection within the service, and analytics of support requests.
Design Challenge: From the design point of view, it was difficult to transfer the process from paper to web interface format, because prior to that, managers worked with paper documents, and no one could suggest the necessary interface solutions. It was necessary to completely analyze the experience of paper processing and build an online application system based on it, while meeting the requirements for stylistic uniformity with other systems of the Bank, as well as focus on automatic distribution of tasks between employees, while minimizing the path between entering the service and taking on a new task.
From the development point of view, the main challenge was the integration with related systems for data exchange, especially in the context of changing legislation in the banking sector.
Research: Stakeholder interviews: it was necessary to understand the business objectives, the target audience of the product, etc. Focus group: first, it was necessary to understand the main issues arising while interacting with the state registrar. It was also necessary to identify the issues that the target audience faced when uploading documents using the site. Other research: interviews with the target audience, testing, customer journey mapping, data search in different sources, data from analytics, etc.
Inspiration: The team wanted to fix issues identified in the course of research and data collection, in particular, during interviews with bank employees. A joint team was formed with back-end and front-end developers and various departments of the bank to achieve optimal results. The interface of SBBOL and the internal systems of the Bank were taken as an example of the user interface design.
Project Duration: The project started in December 2019 in Moscow. In April 2020, real estate registration was launched only for individuals, in October 2020 its scope was extended to include legal entities.
The project is currently at the stage of implementation and optimization.
Operation Flow: The main page displays all applications for registration according to their different states. Once the user is logged into the account, he/she can view tasks by priority and use the most common filters. The user can view the applications of the entire department or only his/her own, each application has a different status: refused, in progress, sent.
The interface is adapted for mobile devices.
The data in the application is received automatically from the bank’s lending systems, which saves users from tedious filling out of forms.
Patents: SBER
Team Members: Alla Viktorovna Zotova
Kuzmenko Andrey Sergeyevich
Salakheev Danis Fanisovich
Grigory Vitalyevich Sorokolat
Tagiyev Sergey Agakerimovich
Cherenkov Sergey Vladimirovich
Anastasiya Andreevna Shalievskaya
Emke Vera Igorevna