SBOF Mortgage 抵押登记界面 by Sber is a highly esteemed winner of the very prestigious 2022 A' Design Award 铁奖 in 界面、交互与用户体验设计 Competition Category.

铁界面· 2022

SBOF Mortgage 抵押登记界面

by Sber

Client: Sber

A' Design Award 铁奖 Winner in 界面 Category

11,294

Verified Award Winner

Verify Award Status for #136374

View at A' Design Award Press Release Award Badge

Colors

The Design

About SBOF Mortgage 抵押登记界面

SBOF Mortgage 是一个用于抵押电子登记及解除房地产权利负担的网页界面。该系统让银行员工与客户能够远程提交国家登记申请并追踪申请状态。每位员工均获得电子签名和个人账户，任务则按状态与优先级自动分配。申请数据取自银行信贷系统，因此表单可自动填充，重复申请仅需几分钟即可完成。界面布局可自适应桌面端、平板和智能手机屏幕。

The Recognition

About the A' Design Award 铁奖

SBOF Mortgage 抵押登记界面是 A' Design Award 铁奖得主，这是授予满足人们对设计精良的创作所期待的专业与工业要求的优良设计的声望认可。铁奖得主展现出其创作者的高超技艺、高度专业化、专家级的理解力和创造能力。预计SBOF Mortgage 抵押登记界面将成为一件备受推崇、令人钦佩且被珍爱的创作，既实用又创新。这件赢得 A' Design Award 铁奖的设计整合了行业最佳实践，并拥有与专业知识和才华相结合的称职技术特性。SBOF Mortgage 抵押登记界面因其严谨而受到尊重，旨在提供有助于让世界变得更美好的生活品质改善。

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