ANZ Banking Mobile App.

Industry

Banking

Client

ANZ

Banking, simplified. Anywhere, anytime.

The ANZ Mobile App is a secure and intuitive banking platform designed to help customers manage their finances anytime, anywhere. With a focus on simplicity, accessibility, and trust, the app delivers seamless digital banking experiences - from everyday transactions to advanced financial insights. Feel free to contact me to discuss about more examples of work for confidentiality reasons.

The ANZ Mobile App is a secure and intuitive banking platform designed to help customers manage their finances anytime, anywhere. With a focus on simplicity, accessibility, and trust, the app delivers seamless digital banking experiences - from everyday transactions to advanced financial insights. Feel free to contact me to discuss about more examples of work for confidentiality reasons.

Visit Website

Project Overview

Challenge

ANZ needed to introduce PayTo, Australia’s new real-time payments system, into their existing mobile banking app. PayTo allows customers to authorise recurring or one-off payments directly from their bank account, replacing traditional direct debits.

The key challenge was designing a clear, trustworthy authorisation experience for a brand-new payments concept that many users were unfamiliar with. The feature needed to balance regulatory and compliance requirements, customer education, and ease of use, while fitting seamlessly into an already complex mobile banking ecosystem.

Additional challenges included ensuring the experience felt secure without being overwhelming, handling edge cases such as declined or pausing agreements, and aligning the feature across both iOS and Android while following platform best practices.

Challenge

ANZ needed to introduce PayTo, Australia’s new real-time payments system, into their existing mobile banking app. PayTo allows customers to authorise recurring or one-off payments directly from their bank account, replacing traditional direct debits.

The key challenge was designing a clear, trustworthy authorisation experience for a brand-new payments concept that many users were unfamiliar with. The feature needed to balance regulatory and compliance requirements, customer education, and ease of use, while fitting seamlessly into an already complex mobile banking ecosystem.

Additional challenges included ensuring the experience felt secure without being overwhelming, handling edge cases such as declined or pausing agreements, and aligning the feature across both iOS and Android while following platform best practices.

Challenge

ANZ needed to introduce PayTo, Australia’s new real-time payments system, into their existing mobile banking app. PayTo allows customers to authorise recurring or one-off payments directly from their bank account, replacing traditional direct debits.

The key challenge was designing a clear, trustworthy authorisation experience for a brand-new payments concept that many users were unfamiliar with. The feature needed to balance regulatory and compliance requirements, customer education, and ease of use, while fitting seamlessly into an already complex mobile banking ecosystem.

Additional challenges included ensuring the experience felt secure without being overwhelming, handling edge cases such as declined or pausing agreements, and aligning the feature across both iOS and Android while following platform best practices.

Approach

Feature Discovery & Planning

I collaborated closely with product managers, engineers, and regulatory stakeholders to understand how the PayTo ecosystem worked and how it aligned with ANZ’s go-to-market strategy and the Australian Payments Plus (AP+) roadmap.

Early design exploration focused on meeting AP+ compulsory CX requirements, including viewing, authorising, pausing, and cancelling PayTo agreements. These requirements formed a clear baseline that all design decisions needed to support.

UX Design, Prototyping & Testing

I created high-fidelity prototypes to break down complex payment information into clear, digestible steps, guiding users through merchant details, payment terms, and authorisation confirmation.

Particular care was taken with language, hierarchy, and visual cues to reinforce trust and clarity at each stage of the flow, while remaining aligned with AP+ CX guidelines. Rapid iteration through usability testing and interviews helped refine the experience and reduce friction.

Agile Delivery

Working in close collaboration with product, solution architects, and engineering teams, the feature was designed, tested, and released on a fortnightly cadence, ensuring steady progress and visibility across both the business and customer base.

Accessibility

Accessibility was a core consideration throughout the process. I worked with accessibility developers and analysts to ensure the experience was fully usable across both mobile platforms, leveraging existing accessible components wherever possible.

Approach

Feature Discovery & Planning

I collaborated closely with product managers, engineers, and regulatory stakeholders to understand how the PayTo ecosystem worked and how it aligned with ANZ’s go-to-market strategy and the Australian Payments Plus (AP+) roadmap.

Early design exploration focused on meeting AP+ compulsory CX requirements, including viewing, authorising, pausing, and cancelling PayTo agreements. These requirements formed a clear baseline that all design decisions needed to support.

UX Design, Prototyping & Testing

I created high-fidelity prototypes to break down complex payment information into clear, digestible steps, guiding users through merchant details, payment terms, and authorisation confirmation.

Particular care was taken with language, hierarchy, and visual cues to reinforce trust and clarity at each stage of the flow, while remaining aligned with AP+ CX guidelines. Rapid iteration through usability testing and interviews helped refine the experience and reduce friction.

Agile Delivery

Working in close collaboration with product, solution architects, and engineering teams, the feature was designed, tested, and released on a fortnightly cadence, ensuring steady progress and visibility across both the business and customer base.

Accessibility

Accessibility was a core consideration throughout the process. I worked with accessibility developers and analysts to ensure the experience was fully usable across both mobile platforms, leveraging existing accessible components wherever possible.

Approach

Feature Discovery & Planning

I collaborated closely with product managers, engineers, and regulatory stakeholders to understand how the PayTo ecosystem worked and how it aligned with ANZ’s go-to-market strategy and the Australian Payments Plus (AP+) roadmap.

Early design exploration focused on meeting AP+ compulsory CX requirements, including viewing, authorising, pausing, and cancelling PayTo agreements. These requirements formed a clear baseline that all design decisions needed to support.

UX Design, Prototyping & Testing

I created high-fidelity prototypes to break down complex payment information into clear, digestible steps, guiding users through merchant details, payment terms, and authorisation confirmation.

Particular care was taken with language, hierarchy, and visual cues to reinforce trust and clarity at each stage of the flow, while remaining aligned with AP+ CX guidelines. Rapid iteration through usability testing and interviews helped refine the experience and reduce friction.

Agile Delivery

Working in close collaboration with product, solution architects, and engineering teams, the feature was designed, tested, and released on a fortnightly cadence, ensuring steady progress and visibility across both the business and customer base.

Accessibility

Accessibility was a core consideration throughout the process. I worked with accessibility developers and analysts to ensure the experience was fully usable across both mobile platforms, leveraging existing accessible components wherever possible.

Project Overview

Research & Validation

Competitive Analysis

I reviewed how other banks were implementing PayTo to understand emerging patterns and customer expectations. Due to AP+’s strict CX guidelines, many experiences were structurally similar, with differentiation primarily driven by branding and design system choices.

This highlighted that the main design challenge was not the in-flow experience itself, but where and how the feature was surfaced within the app, ensuring customers could easily find and understand PayTo.

Research & Validation

Competitive Analysis

I reviewed how other banks were implementing PayTo to understand emerging patterns and customer expectations. Due to AP+’s strict CX guidelines, many experiences were structurally similar, with differentiation primarily driven by branding and design system choices.

This highlighted that the main design challenge was not the in-flow experience itself, but where and how the feature was surfaced within the app, ensuring customers could easily find and understand PayTo.

Research & Validation

Competitive Analysis

I reviewed how other banks were implementing PayTo to understand emerging patterns and customer expectations. Due to AP+’s strict CX guidelines, many experiences were structurally similar, with differentiation primarily driven by branding and design system choices.

This highlighted that the main design challenge was not the in-flow experience itself, but where and how the feature was surfaced within the app, ensuring customers could easily find and understand PayTo.

Usability Testing

Usability testing focused on three key areas

Context: Understanding what PayTo is and how it works, particularly for user case scenarios.

Findability: Where customers expected PayTo to live within the existing app.

User Flows: The end-to-end authorisation journey for a typical PayTo agreement.

Usability Testing

Usability testing focused on three key areas

Context: Understanding what PayTo is and how it works, particularly for user case scenarios.

Findability: Where customers expected PayTo to live within the existing app.

User Flows: The end-to-end authorisation journey for a typical PayTo agreement.

Usability Testing

Usability testing focused on three key areas

Context: Understanding what PayTo is and how it works, particularly for user case scenarios.

Findability: Where customers expected PayTo to live within the existing app.

User Flows: The end-to-end authorisation journey for a typical PayTo agreement.

Project Overview

Result

The PayTo feature was successfully launched within the ANZ mobile app, enabling customers to confidently authorise, review, and manage real-time payment agreements without leaving the app.

The simplified authorisation flow reduced confusion around a new payments model and helped build trust from launch. Internal feedback highlighted the clarity of the experience, particularly in how complex payment and compliance information was presented to customers.

This work contributed to ANZ’s broader payments strategy and demonstrated a repeatable approach to designing regulated, high-trust financial features within a large-scale mobile platform.

Result

The PayTo feature was successfully launched within the ANZ mobile app, enabling customers to confidently authorise, review, and manage real-time payment agreements without leaving the app.

The simplified authorisation flow reduced confusion around a new payments model and helped build trust from launch. Internal feedback highlighted the clarity of the experience, particularly in how complex payment and compliance information was presented to customers.

This work contributed to ANZ’s broader payments strategy and demonstrated a repeatable approach to designing regulated, high-trust financial features within a large-scale mobile platform.

Result

The PayTo feature was successfully launched within the ANZ mobile app, enabling customers to confidently authorise, review, and manage real-time payment agreements without leaving the app.

The simplified authorisation flow reduced confusion around a new payments model and helped build trust from launch. Internal feedback highlighted the clarity of the experience, particularly in how complex payment and compliance information was presented to customers.

This work contributed to ANZ’s broader payments strategy and demonstrated a repeatable approach to designing regulated, high-trust financial features within a large-scale mobile platform.

Other Projects

Join Flow

Another significant feature I worked on was the Join flow, which enables new customers to onboard digitally and open an ANZ account directly through the app. This flow plays a critical role in customer acquisition, as it is often a user’s first interaction with the ANZ digital experience.

The ANZ App join flow for new customers in Australia generally supports two primary pathways, depending on whether a user is opening a personal (standard) ANZ account or an ANZ business account. Each pathway has distinct requirements, eligibility checks, and identity verification steps, which needed to be clearly communicated while keeping the experience simple and intuitive.

My work focused on improving the clarity, usability, and consistency of the join experience. This included helping users understand which account type was right for them, guiding them through identity verification and compliance requirements, and reducing friction during form entry and validation. I collaborated closely with designers, engineers, and stakeholders to ensure regulatory needs were met while still delivering a streamlined, mobile-first experience.

Key considerations included error handling, progressive disclosure of information, accessibility, and ensuring users could confidently complete the flow without needing to exit the app or seek external support.

Join Flow

Another significant feature I worked on was the Join flow, which enables new customers to onboard digitally and open an ANZ account directly through the app. This flow plays a critical role in customer acquisition, as it is often a user’s first interaction with the ANZ digital experience.

The ANZ App join flow for new customers in Australia generally supports two primary pathways, depending on whether a user is opening a personal (standard) ANZ account or an ANZ business account. Each pathway has distinct requirements, eligibility checks, and identity verification steps, which needed to be clearly communicated while keeping the experience simple and intuitive.

My work focused on improving the clarity, usability, and consistency of the join experience. This included helping users understand which account type was right for them, guiding them through identity verification and compliance requirements, and reducing friction during form entry and validation. I collaborated closely with designers, engineers, and stakeholders to ensure regulatory needs were met while still delivering a streamlined, mobile-first experience.

Key considerations included error handling, progressive disclosure of information, accessibility, and ensuring users could confidently complete the flow without needing to exit the app or seek external support.

Join Flow

Another significant feature I worked on was the Join flow, which enables new customers to onboard digitally and open an ANZ account directly through the app. This flow plays a critical role in customer acquisition, as it is often a user’s first interaction with the ANZ digital experience.

The ANZ App join flow for new customers in Australia generally supports two primary pathways, depending on whether a user is opening a personal (standard) ANZ account or an ANZ business account. Each pathway has distinct requirements, eligibility checks, and identity verification steps, which needed to be clearly communicated while keeping the experience simple and intuitive.

My work focused on improving the clarity, usability, and consistency of the join experience. This included helping users understand which account type was right for them, guiding them through identity verification and compliance requirements, and reducing friction during form entry and validation. I collaborated closely with designers, engineers, and stakeholders to ensure regulatory needs were met while still delivering a streamlined, mobile-first experience.

Key considerations included error handling, progressive disclosure of information, accessibility, and ensuring users could confidently complete the flow without needing to exit the app or seek external support.

ANZ Banking Mobile App.

Banking

ANZ

Banking, simplified. Anywhere, anytime.

Banking, simplified. Anywhere, anytime.

Visit Website

Challenge

ANZ needed to introduce PayTo, Australia’s new real-time payments system, into their existing mobile banking app. PayTo allows customers to authorise recurring or one-off payments directly from their bank account, replacing traditional direct debits.

Additional challenges included ensuring the experience felt secure without being overwhelming, handling edge cases such as declined or pausing agreements, and aligning the feature across both iOS and Android while following platform best practices.

Challenge

ANZ needed to introduce PayTo, Australia’s new real-time payments system, into their existing mobile banking app. PayTo allows customers to authorise recurring or one-off payments directly from their bank account, replacing traditional direct debits.

Additional challenges included ensuring the experience felt secure without being overwhelming, handling edge cases such as declined or pausing agreements, and aligning the feature across both iOS and Android while following platform best practices.

Challenge

ANZ needed to introduce PayTo, Australia’s new real-time payments system, into their existing mobile banking app. PayTo allows customers to authorise recurring or one-off payments directly from their bank account, replacing traditional direct debits.

Additional challenges included ensuring the experience felt secure without being overwhelming, handling edge cases such as declined or pausing agreements, and aligning the feature across both iOS and Android while following platform best practices.

Approach

Feature Discovery & PlanningI collaborated closely with product managers, engineers, and regulatory stakeholders to understand how the PayTo ecosystem worked and how it aligned with ANZ’s go-to-market strategy and the Australian Payments Plus (AP+) roadmap.

Approach

Feature Discovery & PlanningI collaborated closely with product managers, engineers, and regulatory stakeholders to understand how the PayTo ecosystem worked and how it aligned with ANZ’s go-to-market strategy and the Australian Payments Plus (AP+) roadmap.

Approach

Feature Discovery & PlanningI collaborated closely with product managers, engineers, and regulatory stakeholders to understand how the PayTo ecosystem worked and how it aligned with ANZ’s go-to-market strategy and the Australian Payments Plus (AP+) roadmap.

Research & Validation

Competitive AnalysisI reviewed how other banks were implementing PayTo to understand emerging patterns and customer expectations. Due to AP+’s strict CX guidelines, many experiences were structurally similar, with differentiation primarily driven by branding and design system choices.

This highlighted that the main design challenge was not the in-flow experience itself, but where and how the feature was surfaced within the app, ensuring customers could easily find and understand PayTo.

Research & Validation

Competitive AnalysisI reviewed how other banks were implementing PayTo to understand emerging patterns and customer expectations. Due to AP+’s strict CX guidelines, many experiences were structurally similar, with differentiation primarily driven by branding and design system choices.

This highlighted that the main design challenge was not the in-flow experience itself, but where and how the feature was surfaced within the app, ensuring customers could easily find and understand PayTo.

Research & Validation

Competitive AnalysisI reviewed how other banks were implementing PayTo to understand emerging patterns and customer expectations. Due to AP+’s strict CX guidelines, many experiences were structurally similar, with differentiation primarily driven by branding and design system choices.

This highlighted that the main design challenge was not the in-flow experience itself, but where and how the feature was surfaced within the app, ensuring customers could easily find and understand PayTo.

Usability Testing

Usability testing focused on three key areas

Context: Understanding what PayTo is and how it works, particularly for user case scenarios.

Findability: Where customers expected PayTo to live within the existing app.

User Flows: The end-to-end authorisation journey for a typical PayTo agreement.

Usability Testing

Usability testing focused on three key areas

Context: Understanding what PayTo is and how it works, particularly for user case scenarios.

Findability: Where customers expected PayTo to live within the existing app.

User Flows: The end-to-end authorisation journey for a typical PayTo agreement.

Usability Testing

Usability testing focused on three key areas

Context: Understanding what PayTo is and how it works, particularly for user case scenarios.

Findability: Where customers expected PayTo to live within the existing app.

User Flows: The end-to-end authorisation journey for a typical PayTo agreement.

Result

The PayTo feature was successfully launched within the ANZ mobile app, enabling customers to confidently authorise, review, and manage real-time payment agreements without leaving the app.

The simplified authorisation flow reduced confusion around a new payments model and helped build trust from launch. Internal feedback highlighted the clarity of the experience, particularly in how complex payment and compliance information was presented to customers.

This work contributed to ANZ’s broader payments strategy and demonstrated a repeatable approach to designing regulated, high-trust financial features within a large-scale mobile platform.

Result

The PayTo feature was successfully launched within the ANZ mobile app, enabling customers to confidently authorise, review, and manage real-time payment agreements without leaving the app.

The simplified authorisation flow reduced confusion around a new payments model and helped build trust from launch. Internal feedback highlighted the clarity of the experience, particularly in how complex payment and compliance information was presented to customers.

This work contributed to ANZ’s broader payments strategy and demonstrated a repeatable approach to designing regulated, high-trust financial features within a large-scale mobile platform.

Result

The PayTo feature was successfully launched within the ANZ mobile app, enabling customers to confidently authorise, review, and manage real-time payment agreements without leaving the app.

The simplified authorisation flow reduced confusion around a new payments model and helped build trust from launch. Internal feedback highlighted the clarity of the experience, particularly in how complex payment and compliance information was presented to customers.

This work contributed to ANZ’s broader payments strategy and demonstrated a repeatable approach to designing regulated, high-trust financial features within a large-scale mobile platform.

Join Flow

Another significant feature I worked on was the Join flow, which enables new customers to onboard digitally and open an ANZ account directly through the app. This flow plays a critical role in customer acquisition, as it is often a user’s first interaction with the ANZ digital experience.

Key considerations included error handling, progressive disclosure of information, accessibility, and ensuring users could confidently complete the flow without needing to exit the app or seek external support.

Join Flow

Another significant feature I worked on was the Join flow, which enables new customers to onboard digitally and open an ANZ account directly through the app. This flow plays a critical role in customer acquisition, as it is often a user’s first interaction with the ANZ digital experience.

Key considerations included error handling, progressive disclosure of information, accessibility, and ensuring users could confidently complete the flow without needing to exit the app or seek external support.

Join Flow

Another significant feature I worked on was the Join flow, which enables new customers to onboard digitally and open an ANZ account directly through the app. This flow plays a critical role in customer acquisition, as it is often a user’s first interaction with the ANZ digital experience.

Key considerations included error handling, progressive disclosure of information, accessibility, and ensuring users could confidently complete the flow without needing to exit the app or seek external support.

More Work

Feature Discovery & Planning

I collaborated closely with product managers, engineers, and regulatory stakeholders to understand how the PayTo ecosystem worked and how it aligned with ANZ’s go-to-market strategy and the Australian Payments Plus (AP+) roadmap.

Feature Discovery & Planning

I collaborated closely with product managers, engineers, and regulatory stakeholders to understand how the PayTo ecosystem worked and how it aligned with ANZ’s go-to-market strategy and the Australian Payments Plus (AP+) roadmap.

Feature Discovery & Planning

I collaborated closely with product managers, engineers, and regulatory stakeholders to understand how the PayTo ecosystem worked and how it aligned with ANZ’s go-to-market strategy and the Australian Payments Plus (AP+) roadmap.

Competitive Analysis

I reviewed how other banks were implementing PayTo to understand emerging patterns and customer expectations. Due to AP+’s strict CX guidelines, many experiences were structurally similar, with differentiation primarily driven by branding and design system choices.

Competitive Analysis

I reviewed how other banks were implementing PayTo to understand emerging patterns and customer expectations. Due to AP+’s strict CX guidelines, many experiences were structurally similar, with differentiation primarily driven by branding and design system choices.

Competitive Analysis

I reviewed how other banks were implementing PayTo to understand emerging patterns and customer expectations. Due to AP+’s strict CX guidelines, many experiences were structurally similar, with differentiation primarily driven by branding and design system choices.