SBOF Mortgage 按揭登記介面 by Sber is a highly esteemed winner of the very prestigious 2022 A' Design Award 鐵獎 in 介面、互動及用戶體驗設計 Competition Category.

鐵介面· 2022

SBOF Mortgage 按揭登記介面

by Sber

Client: Sber

A' Design Award 鐵獎 Winner in 介面 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 按揭登記介面

SBOF按揭係一個用嚟電子登記按揭同解除房地產押記嘅網頁介面。呢個系統畀銀行職員同客戶可以遠程提交國家登記申請，並且追蹤申請進度。每位職員都會獲發電子簽名同個人帳戶，系統會根據狀態同優先次序自動分配任務。申請數據直接取自銀行貸款系統，表格會自動填寫，令重複申請只需幾分鐘就完成。版面設計可以自適應桌面、平板同智能手機嘅螢幕。

The Recognition

About the A' Design Award 鐵獎

SBOF Mortgage 按揭登記介面是 A' Design Award 鐵獎得主，這是授予滿足人們對設計精良的創作所期待的專業與工業要求的優良設計的聲望認可。鐵獎得主展現出其創作者的高超技藝、高度專業化、專家級的理解力和創造能力。預計SBOF Mortgage 按揭登記介面將成為一件備受推崇、令人欽佩且被珍愛的創作，既實用又創新。這件贏得 A' Design Award 鐵獎的設計整合了行業最佳實踐，並擁有與專業知識和才華相結合的稱職技術特性。SBOF Mortgage 按揭登記介面因其嚴謹而受到尊重，旨在提供有助於讓世界變得更美好的生活品質改善。

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