Redesigning a multi-currency, multi-card home screen under legacy constraints to drive meaningful banking actions.
4.8 ⭐️
+67%
March 2024 - Dec 2024
Launched in Feb 2025
4 agile product teams
6 product designers
Bank of Georgia needed to evolve its mobile banking experience from a basic transaction tool into a comprehensive financial hub. With 1.5 million active digital users, the stakes were high — poor UX meant real financial stress for everyday Georgians.
At the 2022 Technology Day Update, Bank of Georgia announced its super app strategy. The competitive landscape had shifted. The app was no longer just a place to move money around — it was becoming a hub for payments, investments, gift cards, parking fines, lifestyle offers, and more.
The problem? Years of adding features without a cohesive plan had turned the app into a patchwork. Users were frustrated, and the metrics showed it.
Navigation kept coming up in user complaints. But that wasn't the real problem — it was just a symptom. We needed research to figure out what users actually needed and how the best banking apps were structuring their information.
Opportunity
Navigation complaints were symptoms, not the root problem.
We needed research to uncover what users actually needed and how successful banking apps structured their information.
We consolidated three years of data and comprehensive research insights from 6,200+ users across four key segments: parents, emigrants, investors, and general users.
Card Sorting
20 users
Usability Testing
11 users
Analytics Anlyses
Deep dive
Top request
"Show currency exchange rates on homepage"
"Larger, more detailed investment widget"
"Easier access to children's transactions"
"Simpler, less cluttered design"
Usage
46% use app daily, 26% multiple times per day (Emigrants)
87% use app daily or multiple times per day (Investors)
88% use app daily, high monitoring activity (Parents)
Most varied, 77% use daily or several times per day (General Users)
Pain point
"I can't easily see my balance in different currencies separately"
"I can't see full investment portfolio at a glance"
"I want to hide certain transactions from my main screen"
"The app feels like it's designed by different people - no consistency"
6,200+ user research showed that the most frequent banking tasks — checking balances (87%), transferring to others (39%), and making payments (35%) — required navigating through 2-3 screens.
When Bank of Georgia announced its super app strategy at the 2022 Technology Day Update, it became clear that the competitive landscape had shifted. We conducted a competitive analysis that included not just banking apps, but successful super apps like Revolut, Wise, N26, and Alipay. One key finding stood out: all platforms except Wise prioritized actionable items on their home screen.
87% of sessions involved balance checking
87% of users cited "checking account balance" as their primary use case, yet multi-currency breakdowns required navigating through multiple screens – turning a simple task into a multi-step process.
Primary banking actions required 3+ taps
Users wanted immediate access to Pay and Transfer functions, but these were hidden in secondary screens. This pattern contradicted best practices we observed in leading fintech apps like Revolut and N26, where primary actions are always visible.
Hidden features and poor discoverability
Our research revealed that feature discoverability, not feature quality, was the primary barrier to adoption. 59% of users didn't know certain account features existed, while 37% reported that functions were difficult to locate. Navigation complexity was the primary barrier to feature adoption.
Primary actions buried on a secondary page made the app feel ‘informational’ instead of ‘actionable’.
Our research revealed that 87% of all banking sessions involved checking balances across currencies or initiating a transfer. Yet both actions required multiple navigation steps, creating unnecessary cognitive load.
Primary actions must live on the home
Parents, emigrants, investors and general users should be able to make financial transactions with one tap.
Financial state should be visible at a glance
Anyone should be able to see the money they own without extra navigation.
The Solution
We redesigned the home experience around two core principles: visibility and efficiency.
We surface currency details and promoted primary actions to home screen
Design Decision
Currency breakdown on account cards
We transformed account cards from simple balance displays into complete financial visibility.
Multi-currency transparency: All balances (GEL, USD, EUR, GBP) shown on cards with clear breakdowns (e.g., seeing that 1,567.38 ₾ comprises 1,500.00 ₾ and 25.36 $)
Clearer credit vs. debit separation: Credit cards displayed separately rather than being summed into total available funds
This eliminated routine navigation, giving users their full financial picture on the home screen.
Visual card linking: Indicators showing which physical cards connect to which accounts
Instant account recognition: Color-coded cards matching physical card designs, allowing users to identify their salary or spending accounts at a glance.
Design Decision
Primary actions promoted to home screen
Based on our competitive analysis and usage data, we promoted the three most-used banking functions directly to the home screen:
Pay — bill and service payments
Transfer to Own — Move money between personal accounts
Transfer to Other — Send money to other people
These buttons replaced the previous buried navigation pattern, reducing the action path from 2+ taps to a single tap. We positioned them prominently below the account cards, following patterns established by successful fintech apps.
The home page displays no primary actions for the tasks users needed most. In order to make transaction or pay for utilities user had to navigate to Payment Page, look for Pay Button and then select the action needed.
In order to transfer money to others or among personal accounts user had to navigate to Payment Page, and look for Transfer buttons.
On home page user sees 3 actionable items – Pay, To My Account and Transfer to Others.
Taps the neccesary button and performs transaction.
Impact
Zero taps to see currency breakdown, one tap to transfer
Users previously needed 2-3 taps to see currency balances and 2+ taps to start a transfer. We redesigned the home screen to show all currencies at a glance and placed Pay and Transfer buttons front and center.
Outcome
Impact
95% of users rated the homepage design positively
Out of 800+ surveyed user throughout 3 months 52% "like it" + 43% "really like it", demonstrating strong approval of visual presentation and information display
67% user use Payment/transfer buttons on home page
Indicating that surfacing primary actions transformed the home screen into an active engagement point rather than a passive overview
The home page interactions grew faster than the transactions page, indicating that users were successfully finding and using the new primary action buttons.
Account page engagement also increased, suggesting that the clearer currency breakdown on home cards encouraged users to explore account details rather than replacing that need.
Recognition
Global Finance: World's Best Digital Bank (2024, 2025)
Our team’s redesign of home page contributed to the continuous evolution of BOG’s mobile experience, which has been recognized by Global Finance as the World’s Best Digital Bank in 2024 and 2025
The Global Finance 2024 awards featured 167 participants, among them many prominent global banks and regional winners including Citi, Santander, and DBS
Working at scale changes how you design
Redesigning the BOG home page meant rethinking the daily experience for 1.5 million active users. The scope brought complexity – customer research, competitive analysis, multiple workshops and careful negotiation with stakeholders who understood that any misstep would disrupt millions of banking routines.
When you're focused on building UI components and solving individual design problems, it's easy to lose sight of that scale. But knowing that your decisions will directly affect how millions of people manage their money every day fundamentally changes your approach. Every layout choice, every label, every tap sequence carries more weight.
The responsibility makes you sharper. You question assumptions more rigorously. You validate patterns more thoroughly. You think not just about what works in a prototype, but what will hold up when someone is rushing to pay a bill at the supermarket, checking their balance at the airport, or sending money on a crowded metro.
The impact makes it worth it. Months after launch, I still notice the redesigned home screen on strangers' phones: in queues, on public transport, at cafes. Seeing something you built become part of people's everyday routines is what makes design meaningful. It's a quiet reminder that good UX work doesn't just improve metrics; it genuinely makes daily life a little smoother for real people.