Business Online Mobile App Enterprise Banking iOS & Android Authorization flows Dubai

corporate banking,
in your pocket.

Business owners shouldn't need a desktop and a manual to approve a payment. I designed the Business Online mobile app so finance teams can review and approve payments from anywhere, with total confidence on a small screen.

40%
Faster to authorize a pending payment vs. the legacy flow, measured in usability testing.
Task speed
60+
Mobile screens designed across authorization, accounts, payments and device setup.
Scale
Clearer authorization status in usability testing, directly targeting the "did it go through?" anxiety.
Clarity
Case snapshot
Role

Sr. Product Designer — Business Online, mobile

Team

Cross-functional — product, iOS & Android eng, business, me on design

Timeline

2024 · Emirates NBD, Dubai

Tools

Figma · attention heatmaps · usability testing

What I did

Designed the Business Online mobile app so finance teams can review and approve payments anywhere — research, authorization flows, accounts & payments, the device-activation journey, and a mobile design system.

Impact

40% faster to authorize a pending payment and 4× clearer authorization status in usability testing, across 60+ mobile screens designed.

Constraints

A small screen carrying high-stakes payments, with security and approval requirements.

The redesign

legacy → redesign.

before redesign after redesign
before
after

drag ⇆ to reveal the redesign

01 · Context

banking that fits
in a thumb.

Corporate banking is built for big desktop dashboards, but the person who needs to approve a multi-million-AED payment is often away from their desk. The job: make high-stakes business banking feel safe and simple on a phone.

Platform Business Online · mobile app Users Business owners · finance teams · authorizers Constraint small screen · high stakes · security
02 · Problem

high stakes on a
small screen.

01

Approvals stuck at the desk

Authorizers had to wait until they were at a desktop to release payments.

02

"Did it go through?"

Unclear status after authorizing, no confident confirmation on mobile.

03

Dense for a phone

Desktop-grade data crammed onto a small screen, hard to scan.

04

Multi-role complexity

Makers, checkers and authorizers each need a different view.

the signal · user + heatmap research
I just need to approve it and know it's done.
Business ownersFinance teamsAuthorizers
Confidence and clarity, not more features, was what authorizers asked for.
03 · Research

where attention
actually went.

Before redrawing a single screen, we ran attention heatmaps on the live app — exposing the gap between what users needed and where their eyes actually went.

voices from research

If I'm out of the office, a payment just waits — I can't release anything until I'm back at my desk.
Authorizer · finance team
After I tap approve I'm never quite sure it actually went through.
Business owner
There's so much packed onto one screen — I scan for the one number I need and ignore the rest.
Finance team · daily user
attention heatmaps over the live app
finding approvals sat below the fold finding status text was rarely fixated on finding dense tables were scanned, not read

click to open the full heatmap board

04 · The shift

from desk-bound
to on the go.

Approving a pending payment, the core task. Before vs. after the mobile redesign.

↳ Before - desk-bound
1
Wait to get back to a desktop
2
Log in to the full corporate portal
3
Hunt for the pending item among dense tables
4
Approve with no clear mobile confirmation
5
Call to check it actually released
slow & tethered
↳ After - Business Online
Push notification: payment pending
Open the app, see it front-and-centre
Review amount, payee & status at a glance
Authorize with biometrics, clear confirmation
done in seconds
05 · Process

designed for the
thumb zone.

Research how authorizers really work on mobile, prototype the flows, and validate with heatmaps and testing.

01 User interviews 02 Maker / checker / authorizer mapping 03 Mobile flows in Figma 04 Component anatomy & system 05 Heatmap + usability testing 06 Handoff to iOS & Android

Pending-first home screen

Put what needs action at the very top, authorizers see and clear tasks instantly.

shrink the desktop dashboard

Cramming the full portal onto a phone would keep the very density that made approvals slow.

map the roles

Makers create, checkers verify, authorizers release. Each needed a focused mobile view, not one crowded screen.

artifact role journeyswith product + business

prototype the flows

Designed a pending-first home, a clear authorize action, and a frictionless device-activation journey.

explored auth + accounts UItool Figma

validate with heatmaps

Ran heatmap + usability testing on the new screens, attention landed exactly where the key actions live.

method heatmaps + testingresult clearer + faster

ship across iOS & Android

Delivered a documented component anatomy so the app stayed consistent across both platforms and future releases.

delivered mobile componentswith iOS + Android eng
06 · Solution

the app, in hand.

A Maker and a Checker don't need the same screen. Each home is tuned to what that role actually does — here are the key decisions, on the live build.

Checker
  • Pending Approvals, upfrontTask-based prioritisation — the approval queue leads the dashboard instead of sitting in a menu.
  • Approve / Reject in contextRole-aware CTAs replace the one generic button.
  • Workflow tabEvery step of a transaction is visible, for full transparency.
Maker
  • Create New, front and centreThe Maker's primary action leads, in place of a generic CTA.
  • Role-relevant quick linksAction cards for the Maker's common tasks replace the generic shortcut.
  • Workflow tabSee exactly where a submitted payment sits in the approval chain.
07 · The roles

one payment,
three roles.

A corporate payment isn't one person's job: a Maker creates it, a Checker verifies it, an Authorizer releases it — each with a focused view and a clear approve-or-reject fork.

Maker
01Creates the payment

Enters payee, amount & account, submits for approval.

hands off →
Checker
02Verifies the details

Confirms payee & amount are correct; flags anything off.

hands off →
Authorizer
03Reviews & decides

Biometric check, then the fork:

✓ approve · released✕ reject · back to Maker

the maker → checker → authorizer chain, with a clear approve / reject fork

08 · Trust by design

moving money needs trust.

In corporate banking, confidence is designed. Every element here does quiet work to make a CFO trust an irreversible transfer — hover the markers.

business online home screen

hover a ● marker to see the trust signal

09 · Onboarding

secure setup,
no branch visit.

Before touching a single fil, a corporate user has to prove who they are. We designed the full device-activation journey — subscriber ID, OTP, password, Smart Pass PIN — so first-time users sign in without ever visiting a branch.

device activation onboarding flow

the complete activation flow, click to open full-size

10 · Intended impact

what it's built
to change.

Designed for the user
Desk pocket

Authorizers can review and release a payment the moment it lands, 40% faster than the legacy flow in usability testing, with a confirmation that finally answers "did it go through?"

Designed for the business
Approvals stop waiting

The design removes the desktop dependency that stalled payments, so an authorization no longer has to wait for someone to get back to their desk.

Built for the org
60+ screens, one system

A documented mobile component anatomy keeps iOS and Android consistent and lets every future release build on a real system, not one-off screens.

11 · Reflection

what I'd do next.

Close the loop on trust. The confirmation state tested well, next I'd instrument it: measure how often authorizers re-check a payment after releasing it, and design that residual anxiety away entirely.

Make the roles adaptive. A Maker and an Authorizer share the same shell today. With usage data, each role's home could lead with the one action that role does most.

Push the system further. 60+ screens on a single component anatomy held up, the next release should let engineering ship routine flows without design in the loop.

"Great mobile banking design is invisible, a business owner approves a huge payment from their phone and never once feels nervous."
- The principle behind the app
12 · Beyond the Figma file

I shipped a mobile system, not just screens.

A documented component anatomy and mobile patterns handed to iOS and Android engineering, so the experience stayed consistent across platforms and every future release built on a real system.

Accessibility was part of the spec, not an afterthought — minimum touch targets, AA-contrast tokens and clear focus states — so high-stakes actions stayed usable for every authorizer, on any device.

component anatomy — the documented mobile system

the component anatomy — click to open full-size