fintech

Building a digital bank from scratch

A digital bank set to disrupt the South African mass market by building a simple banking app that guides and educates the customer on the best possible way to manage their money.

OM Bank was launched as a digital-first bank with ambitious delivery goals and multiple product streams running in parallel. The organisation operated within a tightly regulated financial environment, with strong delivery pressure and evolving product requirements.

When I joined:

  • UX maturity was still in it’s infancy
  • Design work was agency supplied and largely delivery-led
  • There was no shared UX language, system, or governance
  • There was no internal UX design team

The challenge was not only to design product experiences, but to build a sustainable UX capability that could scale alongside the organisation.

I was responsible for establishing UX as a strategic function within the bank. This included:

  • Building and leading the internal UX team
  • Creating a design system from scratch aligned to a new brand CI
  • Defining UX principles, standards, and quality benchmarks
  • Supporting delivery across 8 agile squads
  • Managing a full rebrand mid-build without slowing delivery
  • Hiring, mentoring, and growing designers across seniority levels
  • Creating a safe, high-performing team culture

Building the UX team and culture

A key focus of my role was building a strong, confident UX team that could operate independently while staying aligned.Team growth

  • Hired and onboarded designers across multiple levels
  • Reduced reliance on external agencies by building internal capability
  • Structured teams to support both autonomy and consistency

Culture

  • Created a psychologically safe environment with clear expectations
  • Encouraged strong opinions backed by evidence
  • Normalised critique, learning, and shared ownership
  • Balanced delivery pressure with craft quality

Outcome

  • A collaborative, resilient UX team trusted by stakeholders and confident in its decision-making.

Design system and brand foundations

I led the creation of a design system from the ground up to support scale, consistency, and speed.What was delivered

  • A design system aligned to a new brand CI
  • Core components, patterns, and foundations
  • Clear documentation to support adoption across squads

Mid-build rebrand

  • Midway through delivery, the bank underwent a full rebrand. UX played a central role in:
    • Reworking system foundations without disrupting delivery
    • Maintaining experience consistency during transition
    • Supporting squads through change without slowing momentum

Outcome

  • A scalable design foundation that reduced rework, improved consistency, and supported faster, more confident delivery.

What I built

  • A design system created from scratch
  • Components, patterns, and tokens aligned to a new brand CI
  • Clear documentation to support scale and consistency

Mid-build rebrand

  • Led UX through a full rebrand while product delivery continued
  • Re-aligned system foundations without disrupting squads
  • Maintained experience consistency across old and new surfaces

Outcome

  • A scalable design foundation that reduced rework, improved consistency, and supported faster delivery across teams.

UX principles and ways of working

To support consistent decision-making, I introduced a clear UX framework grounded in shared principles and practical ways of working.UX principles

  • Defined principles based on user behaviour, accessibility, and banking context
  • Used principles as decision-making tools rather than abstract guidelines

Ways of work

  • Embedded UX into agile delivery without introducing unnecessary friction
  • Introduced lightweight governance and regular design reviews
  • Clarified ownership, expectations, and decision points across teams

Outcome

  • Stronger alignment between UX, Product, and Engineering, with fewer late-stage issues and clearer shared understanding.

Results:

Organisational

  • UX positioned as a strategic partner rather than a delivery service
  • Improved trust and collaboration across disciplines

Team

  • Designers grew in confidence, ownership, and craft
  • Clear expectations and growth paths across seniority levels

Product

  • More consistent customer journeys
  • Stronger accessibility and usability foundations
  • Reduced fragmentation across experiences

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