Varo - Mobile banking

Launching the first US mobile-only bank

Varo mobile banking app interface
Role
Head of Design - Product Design, Design Strategy, Marketing Design
Platform
iOS
Scope
1.0 launch, Ongoing updates
Varo was a challenger bank focused on helping people improve their financial situation without spending much time managing their money. I led design across product and marketing, taking Varo from early concepts through its June 2017 app launch. The effort spanned more than a year and involved challenges ranging from compliance to the breadth of functionality. The most interesting question was how to create an experience for people who preferred to engage with their finances as little as possible.
Customers & Stakeholders as Co-Creators

We involved customers deeply in the design process. Through participatory workshops, I explored their needs and tested ideas that might resonate. They weren't looking for more charts or more work; they wanted a solution that would "just show me a number" and help them make progress with minimal effort.

I also ran a weeklong Google Ventures-style design sprint with C-level stakeholders to work through the research findings. The sprint helped shape the dashboard and product roadmap around what customers actually needed.

Key Takeaways

We challenged the assumption that a successful app needed to maximize time spent or repeat visits. For Varo's customers, a better banking experience meant getting the information and reassurance they needed with minimal effort.

Working directly with them helped us remove features and details that would have added work rather than value. It was a reminder that deciding what not to show could be the hardest part of design.

Testimonial
Ringae was a critical early hire for Varo, taking us from early concepts to our App Store launch. The moment she joined, she rolled up her sleeves, won the trust of her team, and tackled her role with dedication. She is both hands-on and big picture, and this allows her her to use design not just to make things look great but to solve problems and bring the value proposition to life. As Head of Design, Ringae facilitated an important executive Design Sprint that focused the company in the right direction at a pivotal moment. She knew what to do when and how to best approach it, collaborating effectively with colleagues across the company. Ringae is a real asset.
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Portrait of Ringae Nuek