Building first-generation mobile & online banking

Designing first mobile banking apps & modernizing core banking and investment flows

I design end-to-end product experiences and the UX systems that sustain them — from early foundations through growth, optimization, and scalability.

Initial company state

BB&T was a regional bank that had long relied on physical branches and a solid reputation of trustworthiness, so was just creating its online experience, from mobile banking to investment platforms to website. The company needed to try to catch up fast.

Initial product state

There was no mobile banking, putting BB&T behind its competitors like PNC. There were no financial dashboards to understand customer usage and financial status, leaving money on the table for upsells like lines of credit or home equity loans. There was no unified look-and-feel between financial services offerings. Their legacy investment platform had no dashboards or self-service. They had a website that had not been updated for 5 years at the time.

Challenge

BB&T needed to stand up core digital banking experiences quickly while maintaining the trust and reliability expected of a financial institution.

Key challenges included:

  • No mobile banking presence, putting BB&T at a competitive disadvantage
  • Fragmented and outdated digital experiences across banking, investments, and careers
  • No dashboards or self-service tools to help customers understand accounts, investments, or eligibility for additional products
  • High cognitive burden in critical flows like account opening
  • No shared design patterns or visual standards across teams
  • Limited internal UX maturity, requiring designers to define structure, requirements, and process as work progressed

All of this work needed to be delivered within the constraints of regulated financial systems, legacy platforms, and conservative stakeholder expectations.

Approach

As part of BB&T’s first design team during the bank’s transition into modern digital experiences, I designed and delivered several of the bank’s earliest fintech foundations across mobile, web, and internal systems— operating as the sole designer across all of these projects.

Mobile banking (iOS & Android)

Designed BB&T’s first-generation mobile apps for iPhone and Android, establishing navigation models, core financial workflows, UI patterns, as well as designing the first experiences in things like remote check capture.

Account opening & recommendation systems

Redesigned the outdated and unintuitive online account-opening experience to reduce cognitive load and improve completion rates, outperforming competitors by 24% in external testing. Also created an account recommendation model that matched customers to the right products.

Retirement & investment tools

Redesigned the defined-benefit and defined-contribution portals (pensions/401k), as well as creating the first dashboards to show performance across the investments.

Career and leadership development experiences

Designed the first careers and leadership development program sites, from defining requirements to determining content strategy through competitive analysis and user interviews. This had no PM, so I defined requirements, presented the plan, and got enthusiastic stakeholder buy-in.

Design pattern library (self-initiated)

Created BB&T’s first design pattern library in HTML—documenting patterns, usage rules, and implementation examples. It became an early precursor to the design system work that came years later.

Impact

  • Mobile apps enabled BB&T to expand to digitally-native customer segments
  • Streamlined online account opening experience outperformed competitors by 29% in external testing
  • Customers were able to self-serve when determining which accounts met their needs
  • Investment platform provided dashboards and self-service, enabling customers to assess performance and make adjustments online.
  • The new careers and leadership development sites enabled the company to attract and retain more talent.
  • The new design pattern library (now called a design system) helped to unify experiences across touchpoints