HELLOARTSANTOS@GMAIL.COM
CIBC Mobile Banking
(CONCEPT)
TIMELINE
Winter 2026
ROLE
Product Designer
TEAM
Solo
TOOLS
Figma
CONTEXT
How can we make credit information in mobile banking easier to understand?
PROBLEMS
No visual guidance
The UI solely relies on text and numbers, with few visual cues to explain the credit cycle.
Little to no hierarchy
Balances, limits, due dates, and statements are shown at once with little hierarchy.
No clear next steps
It shows data but doesn’t indicate what to do next.
KEY INSIGHT 01
The problem stems from misunderstanding the statement cycle.
How can we make it easier to grasp?
KEY INSIGHT 02
Cardholders struggle to understand credit terminology and key dates.
Rewrote key terms so they’re clear without explanation.
SOLUTION
Better visual representation of billing cycle
Visual tracked billing cycle cards with clear indications
SOLUTION
Reduce payment friction with clear due dates and payment options.
Direct call to actions to pay off your card
DESIGN DECISIONS
Quicker access to credit score and reward points
Quick access to pay card, view credit score, and reward points.
Past transactions makeover
Reorganized with clearer names, category labels, and brand logos.
When paying, choice to pay in full vs total balance
Choose to pay the statement balance, total balance, or a custom amount, giving them control over how they pay.
Journey
(Designathon)
ROLE
Product Designer
TEAM
Nicole Chea
Evan AuCoin
Blake Taylor
TIMELINE
36 hours
Winter 2026
TOOLS
Figma
CONTEXT
"Design for growth that makes people feel more curious, and more like themselves"
We designed an app for people to enjoy the journey, not the destination. Literally.
PROBLEMS
Efficiency over experience
Navigation apps optimize for speed, leaving out the curiosity and comfort.
The journey is an inconvenience
People are conditioned to skip from A to B, leaving meaningful moments undiscovered.
No tool exists for the journey itself
Apps plan your trip or get you there faster, but none make the in-between moments matter.
KEY INSIGHT 01
The tools we use to travel have optimized the journey out of existence.
Journey is built for the experience, not the efficiency.
KEY INSIGHT 02
How might we design for travellers who value the journey as much as the destination?
Journey gives travellers an itinerary built around them.
75% of travellers say the journey is just as important as the destination (Talker Research, 2023)
SOLUTION
Journey turns any drive into an experience worth remembering.
Visual tracked billing cycle cards with clear indications
Get user's end destination
Personalize their journey
Curate their side quests
SOLUTION
Reduce payment friction with clear due dates and payment options.
Direct call to actions to pay off your card
DESIGN DECISIONS
Quicker access to credit score and reward points
Primary actions are shown upfront through a carousel, giving quick access to pay card, view credit score, and reward points.
Past transactions makeover
Transactions are reorganized with clearer names, category labels, and brand logos, making spending easier to scan and understand.
When paying, choice to pay in full vs total balance
Users can choose to pay the statement balance, total balance, or a custom amount, giving them control over how they pay.
