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Monzo and Starling Bank have designed two of the largest mobile-only banks in the UK.

Having tried both, I’m interested to know which features people find the most useful.

Secondly, I’ll be looking for features users feel are missing.

I’ll take their suggestion and frame my design challenge around it.

What makes these mobile banking apps popular?

Real-time notifications

Get notified as soon as you make a payment.

Spending insights

Whether categorised by type or merchant, monthly targets can be applied so you stay within your budget.

Fast customer service

Support provided through an in-app chat feature.

Security

If you have lost your card, you can lock the card in-app instantly.

What’s missing?

Following these interviews, users then shared what they felt these apps were missing.

I’ve summarised and crafted this feedback into three design questions to create focus but still allow for creative exploration.

The design challenge

How much do I have left to spend today?

What’s the impact I’m trying to have?

My focus is to improving savings for users.

As banks typically make their money through lending, saving features are not prioritised as strongly as spending.

With this in mind, I want to design features that encourage users to be more effective in saving and investing.

Possible solutions to this problem

To calculate a daily spend, I’ll need to capture the user’s regular income, recurring expenses and savings.

Using Monzo’s data, I could identify the average money in, average money out and then capture the amount they wish to save.

As a user spends, this daily budget will decrease. Users should also be able to see the impact of spending over consecutive days.

This will naturally encourage positive emotions when they see spending less accumulates more money for tomorrow.

Outlining a user flow

As a starting point, I’ve outlined the user flow into basic steps and actions.

  1. Do you want to calculate your daily budget? User selects Yes/No
  2. What’s your monthly income? User defines monthly income amount
  3. What’s your monthly outgoings? User defines monthly outgoing amount
  4. How much would you like to save? User defines saving amount
  5. Calculate daily budget amount User sees graphic of daily budget

I’ll use Monzo’s current app as a framework to incorporate and refine this flow.

Incoroporating steps 1–4 within the ‘Targets’ view seems to be the best solution.

  1. On the ‘Spending’ view, user selects ‘Target’
  2. On selecting ‘Targets’ user defines amounts
  3. Back on the ‘Home’ view, user sees new daily budget display

Sketching designs

As I now have a refined user flow. I’ll start to sketch ideas for the new ‘daily budget’ display.

Here, I’m exploring variations using graphs and pie charts.

High fidelity designs

Taking these basic sketches and screenshots from the app on iOS I’ve increased the fidelity of the possible solutions.

Working prototype

Following user feedback and refinement of the designs, I’ve produced a final click-through prototype for users to get a better sense of the user flow that was defined earlier in the process.

The programme

Google Ad Grants provide up to $10,000 (~£8,000) per month of free Google Ads advertising on Google search result pages to eligible nonprofit organisations.

The programme is designed to help people connect with causes to make a greater impact on the world.

Eligibility

The programme is open to organisations who join Google for Nonprofits, meet Ad Grants’ eligibility and programme policies, and are approved through the Ad Grants pre-qualification process.

To qualify for Google Ad Grants, your organisation must:

  • Join Google for Nonprofits. Your organisation must hold valid charity status in your country. Governmental entities and organisations, hospitals and medical groups, schools, academic institutions, and universities are not eligible for Google for Nonprofits.
  • Be approved through the Ad Grants pre-qualification process.
  • Have a high-quality website that meets the Ad Grants website policy.

Google reserves the right to grant or deny an organisation’s application or participation at any time, for any reason, and to supplement or amend these eligibility guidelines at any time.

Structure

Ad Grants recipients build and manage their own Google Ads account with a daily budget limit of $329 USD. Ad Grants ads are text ads that appear on Google search result pages and show below the ads of paying advertisers.

Step 1 of 4: Join Google for Nonprofits

If you have not been approved through Google for Nonprofits, please visit the Google for Nonprofits website.

If you have been approved through Google for Nonprofits, please complete the steps below.

Step 2 of 4: Create your Ad Grants account

When you create your Ad Grants account, you’ll need to use the same user name for your Google for Nonprofits account. For example, if you signed up for Google for Nonprofits using Jane@gmail.com, you must use the same user name for your Ad Grants Google Ads account.

  1. Click this Get started link
  2. Either enter the username and password for an existing Google Account or create a new account.
  3. Under “Billing country,” select the country where your organisation is located.
  4. Under “Time zone,” select your time zone.
  5. Under “Currency,” select US Dollar, regardless of the currency in your country.
  6. Click Submit.
  7. In the top-right corner of your Google Ads account, take note of your customer ID. Your Google Ads customer ID is in the format of xxx-xxx-xxxx. 
Do not enter credit card details or any other billing information when creating your Google Ads account for Google Ad Grants. If you enter credit card information and your campaigns run, you will be responsible for paying any charges accrued.

Step 3 of 4: Submit the pre-qualification survey

Fill out the pre-qualification survey. This 10-minute survey is intended to identify organisations eligible for the Ad Grants programme and to help us learn more about those organisations.

Step 4 of 4: Submit your account for pre-qualification review

  1. In the top-right corner of your Google Ads account, locate your customer ID. Your Google Ads customer ID is in the format of xxx-xxx-xxxx.
  2. Sign in to Google for Nonprofits.
  3. Click Activate under Google Ad Grants.
  4. Enter your customer ID.
  5. Make a selection from the drop-down menu under “How did you hear about Ad Grants?”
  6. Click Enroll.
Your pre-qualification submission will be reviewed and you’ll receive an email with further instruction within 5 business days.

Where Ryland Consulting comes in…

Once you’ve received an email stating your pre-qualification has been approved, we can help you complete the final steps to properly set up your account. This includes the following:

  • Set up conversion tracking
  • Install Google Tag Manager
  • Create a Google Search Ad campaign
  • Create ad groups with brand and non-brand keywords
  • Craft quality ads to drive traffic and increase conversions

Book a call with us today. We’d be happy to help!

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    They understood our brief, appreciated our vision and took it upon themselves to find practical solutions for each individual bottleneck we faced, delivering ahead of time.

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    Their user-centred design process is excellent and I would have no hesitation in having them on another project.

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Web design & marketing

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