Monera
Lead Product Designer (Mobile Banking UX)
3-4 Months
Core Banking Engineers · Mobile Dev · QA
Mobile App (White-Label)
Live (Under Client Brand)
Executive Summary
Monera is a white-label personal banking application built for microfinance banks requiring a customer-facing mobile product integrated with a core banking system.
The platform enables users to manage multiple deposit and loan accounts, transfer funds internally and externally, apply for loans, and complete secure onboarding through government-backed identity verification.
During onboarding, users enter a unique government-issued identity number which is validated against a verification service and automatically pre-fills their verified biodata. These identity fields remain locked, ensuring regulatory compliance and reducing fraud risk.
Designed alongside Aquila core banking, Monera bridges consumer-grade UX with institutional-grade financial infrastructure.
Product Architecture
Home Dashboard
Aggregated view of total inflows and outflows, recent transactions, account summaries, and filtering capabilities.
Multi-Account Management
Users can maintain multiple deposit and loan accounts under a single profile.
Transfers Module
Internal transfers between accounts and third-party bank transfers with secure PIN authentication.
Loan Application Flow
Structured digital loan application with eligibility checks and approval state visibility.
KYC & Verification
Profile verification, document uploads, PIN setup, and compliance-aligned identity workflows.
Support & Live Chat
Embedded support system allowing users to resolve issues directly within the banking environment.
Modeled Banking Performance Metrics
Integrated identity verification, immutable bio-data prefill, and controlled document masking reduce onboarding friction while strengthening regulatory compliance integrity.
40–55% Faster
Account onboarding through government ID auto-prefill compared to manual KYC entry.
Reduced Identity Fraud Risk
Immutable core bio-data fields prevent profile manipulation post-verification.
Lower Support Load
Automated prefill minimizes manual correction requests during onboarding.
Enhanced Data Privacy
Sensitive identifiers partially masked (last four digits visible), preventing misuse of public lookups.
Identity & Compliance Architecture
Onboarding begins with a unique government-issued identification number. This ID is validated against a national verification service and used to prefill the user’s first name, last name, phone number, gender, date of birth, and email.
Prefilled identity fields are locked and cannot be edited by users, ensuring data integrity, regulatory compliance, and reduced onboarding fraud.
This approach balances low-friction account creation with institutional-grade identity assurance.
Key Design Challenges
Designing a mobile interface that translates core banking complexity into intuitive user flows without exposing backend technical constraints.
Designing an onboarding flow that clearly communicates why certain identity fields are locked after verification — preventing user confusion while reinforcing trust and compliance.
Balancing regulatory compliance (KYC, identity verification, PIN security) with low-friction onboarding and transaction flows.
Structuring multi-account management without overwhelming users unfamiliar with financial terminology.
Product Impact
Multi-Account Architecture
Unified Banking Experience
Enabled customers to manage loans and deposits within a single mobile environment.
White-Label Framework
Scalable Deployment Model
Designed for multiple financial institutions to deploy under their own branding.
Identity-Verified Onboarding
Fraud-Resistant Registration
Government-backed identity prefill reduced manual errors, prevented profile manipulation, and strengthened compliance posture.
Core Integration
Real-Time Data Synchronization
Connected directly with Aquila core banking infrastructure for live transaction visibility.
Government Identity Verification
Users onboard by submitting a unique government-issued ID number, which is validated against a secure verification service. Core bio-data is automatically retrieved and prefilled. Sensitive fields are partially masked (e.g., ******1234) and verified details are locked to prevent identity harvesting, profile tampering, and fraud.
Financial Overview Dashboard
Centralized view of inflows, outflows, recent transactions, and all active deposit and loan accounts with filtering tools.
Secure Transfer System
Internal and third-party bank transfers secured with PIN authentication and real-time transaction updates.
Structured Loan Application
Transparent loan application process with eligibility checks, approval states, and repayment visibility.
Embedded Support & Compliance
Live support module and KYC-compliant settings including PIN setup and document verification.
