Business banking & treasury
A self-initiated concept for growing UAE businesses: one trusted workspace to understand cash across banks, forecast what is ahead, approve high-value payments, and investigate risk without surrendering financial decisions to AI.
Delivered: proposed journey, wireframes, interaction states, and a validation plan.
The Opportunity
Growing businesses rarely experience banking as one coherent product. Cash is distributed across accounts, upcoming obligations live in separate tools, and approvals happen through a mixture of banking portals, spreadsheets, email, and chat.
The opportunity was to design a financial decision workspace that helps a business understand what it has, what is changing, what needs approval, and what deserves investigation.
The concept is grounded in the UAE's emerging Open Finance environment, where secure data sharing and service initiation can create more connected financial experiences. The regulatory context informed the product constraints; it does not imply bank affiliation or regulatory approval.
Design question: How might a growing business act on one reliable cash position while every connected bank, user permission, approval, and alert remains transparent?
People & Responsibilities
The design separates access from authority. Each role sees the same financial reality, but can only take actions appropriate to their responsibility.
Product Principles
Concept Outcome & Next Validation
This study produced a coherent product model and four testable wireflows. It demonstrates how a banking experience can become more connected and intelligent without hiding permissions, financial authority, or the evidence behind a recommendation.
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Let's make it work.
Ex-Founder, Product Manager & Designer. Based in Dubai.