Marcus by Goldman Sachs
Personal Banking
Marcus by Goldman Sachs Personal Banking
Marcus by Goldman Sachs Personal Banking
Marcus by Goldman Sachs
Personal Banking
Marcus by Goldman Sachs
Personal Banking
Elephant
Senior Designer
2017
Introducing Marcus: Goldman Sachs' groundbreaking venture into consumer banking. Inspired by founder Marcus Goldman's legacy, the Marcus digital banking platform bridges consumers with financial products and tools, leveraging Goldman Sachs' history of financial expertise.
Our team led the launch of this personalized banking experience as a web-based solution, accessible across various personal devices. From account setup to goal tracking and loan management, the dashboard empowers users by consolidating savings, CD, and loan information into one flexible, user-friendly interface.
The multi-product platform, which operated without traditional brick-and-mortar branches, aimed to build a large, differentiated, and profitable digital consumer platform.
Our dedication to excellence was recognized through numerous accolades, including multiple top awards and a prestigious 5-star rating from CreditKarma.
01
Over 100,000 customers were researched through quantitative and qualitative surveys, focus groups, and 1:1 interviews. The research revealed that consumers felt overwhelmed and as if they didn't have control over their financial lives. Four principles emerged to address their pain points, which we used in the product design.
Valueable
Value
Simple
Simple
Simple
Simple
Simple
Transparent
Transparent
Customizable
Customizable
02
Our own team also conducted user research in the form of “co-creation sessions” at the start of the project.
In groups of 4-5 we demonstrated key moments in the product journey and encouraged participants to voice their opinions and sketch ideas in response to the stimuli.
In this example we were questioning whether users prefer to search for products in a way similar to eCommerce or through a conversational interface and used this to inform our decision-making.
03
We outlined objectives based on our principles, research, and stakeholder workshops.
We outlined objectives based on our principles, research, and stakeholder workshops.
A.
Create a scalable modular design system to grow with the user. ...............
A.
Create a scalable modular design system to grow with the brand and user. ...............
B.
Imagine an elevated, editorial financial experience. .........................................
B.
Imagine an editorial-styled financial experience. .........................................
C.
Customize information to reflect the needs of users and products. ..................
C.
Balance information to reflect the needs of all users and products. ..................
D.
Establish and uphold sturdy UX patterns for future product creation.................
D.
Establish and uphold sturdy UX patterns for future product creation.
................
E.
Design simple, transparent legal disclosures and requirements. .l ........................................
..................
04
The dashboard’s underlying structure was born from a lengthy discovery period, of where 50+ iterations were tried.
The goal was to:
The dashboard’s underlying structure was born from a lengthy discovery period, of where 100+ iterations were tested. The goal was:
The dashboard:
Dashboards:
✷ Seamlessly grow or turn off any component
✷ Easy visibility of 1–4 products
✷ Display multiple related charts at a time
✷ A fluid, adaptive dashboard
✷ Accomodate 10+ account states
✷ Simple
✷ Transparent
✷ Seamlessly grow components
✷ Easy visibility of multiple products
✷ Display multiple related charts at a time
✷ Seamlessly grow
✷ Easy visibility
✷ Display charts
✷ Seamlessly grows
✷ Adapts
✷ Displays charts
✷ Grow
✷ Adapt
05
A few of the explorations
A few of the explorations
06
Product tiles were designed to be flexible and show level 1 and 2 product at a glance with the option of multiple account states:
✷ Loans (Auto, Home, Personal)
✷ Checking
✷ Savings
✷ Certificates of Deposits
✷ Investments
✷ Future offerings ( Product X )
✷ Named accounts
✷ Scheduled, past, and future payment due dates
Dashboard cards:
✷ Display charts
✷ Show 10+ states
✷ Simple
✷ Transparent
07
07
07
We developed standardized account activity templates to maintain consistency across multiple products. They allowed customers to access various actions and details, including monthly statements, tax documents, transaction filtering, and personalized GS advice. Subtle, intuitive animations elevated these moments within the pages and differentiated itself from archaic banking experiences.
We developed standardized account activity templates to maintain consistency across multiple products, allowing customers to seamlessly access various actions and details, including monthly statements, tax documents, transaction filtering, and personalized GS advice.
We developed standardized account activity templates to maintain consistency across multiple products, allowing customers to seamlessly access various actions and details, including monthly statements, tax documents, transaction filtering, and personalized GS advice.
08
08
08
08
08
Our streamlined account set-up seamlessly guides and prioritized inclusive, spacious fields. Forms are simplified and divided into step-by-step sections with live validated fields which facililites smoother sign-ups.
09
At the end of the applications, there were often lengthy agreements. To promote transparency, we made information easy to scan with a 'Continue' button anchored to the bottom to help users understand the actions needed.
