Investment Hub

Simplifying mutual fund investing for ~5M retail customers · 4 min read
Challenge
20+ legal documents, 700+ funds, two separate apps, and users dropping off before their first investment.
Role
Led end-to-end design for a regulated investment product, from research strategy through dev handoff. Aligned compliance, legal, and product teams around a single user-centered flow.
Research UX Design Prototyping Dev Handoff
Impact
Shipped a unified investment flow that cut compliance drop-offs and reduced time to first purchase.
Timeline
June 2021 - December 2022
Investment Hub

Discovery

I mapped the end-to-end journey identifying friction at four user stages. This shaped how I sequenced the redesign:
  • Compliance: 20+ documents (investor tests, fund agreements, risk disclosures) with no clear sequence or progress
  • Fund discovery: no filtering across 700+ funds
  • Purchase: multi-step flow with no progress indication or cost clarity
  • Portfolio: no post-purchase performance visibility
~5M
users
20+
regulatory docs
700+
mutual funds

Information Architecture

I mapped the product into four core areas - compliance, fund discovery, purchase and post-purchase portfolio - and redesigned each to separate legal requirements from the investment flow.
Information Architecture New User Active User No test, no agreement Information about no active test and agreement sign later Postpone sign now Test filling process Agreement signing process No agreement, active test Information about no active agreement sign later Postpone sign now Agreement signing process Agreement active, no test Information about no active test fill now Test filling process Agreement & test active Direct access
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Compliance onboarding flows by user state
A decision tree that routes users by status, skipping steps they've already completed.
Investment Module Has user investments already? No Test Filling Agreement Signing Buy Yes Buy Sell Transfer Buying Path
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User fund purchase flow

Wireframes

Wireframes for the core experiences: fund discovery with compliance documents and post-purchase portfolio.
Fund Discovery
Browse and filter mutual funds by type, risk level, and performance
Fund Details
Performance charts, risk profiles, portfolio composition, and fees
Portfolio Overview
Monitor investments, track performance, and manage fund holdings
Low-fidelity wireframes for fund discovery, fund details, and portfolio

Compliance Flow

Users dropped off because the flow was overwhelming with no sense of progress. I designed a personalized checklist showing only remaining documents, with legal text restructured into scannable sections.
  • Progressive disclosure cut reading load by 60% per screen without changing any required compliance phrasing
  • Visual risk indicators replaced text-only warnings after testing showed users skipped them
Personalized compliance checklist showing documents to sign
Personalized compliance checklist

Fund Discovery

Research showed users care most about risk, performance and fees, so those became the primary filters. Fund details use progressive disclosure: strategy and risk up top, legal and history expandable. Testing confirmed it reduced cognitive load.
  • Reduced average browse-to-select time with a filter-first approach
  • Added comparison table so users could evaluate funds side by side
Fund list with risk filters and comparison view
Fund list with filters and risk indicators
Fund details with strategy and risk profile
Fund comparison table view
Fund detail page

Purchase Experience

Testing showed users needed step-by-step confirmation for financial transactions, so I structured the purchase as a wizard. Each step builds on the previous: select fund, review details, confirm. A progress indicator keeps users oriented through the flow.
Purchase flow from fund selection through payment confirmation
Purchase flow: fund selection through payment confirmation

Portfolio Management

Once a purchase is complete, users need a quick answer to "am I up or down?", so I redesigned the portfolio to surface performance and historical trends upfront, with buy, sell, and swap actions at hand.
Portfolio dashboard with performance chart
Portfolio dashboard with performance chart
Fund detail view
Historical performance chart with time period selector
Fund detail view

Outcomes & Reflection

Results
Launched across ~5M retail banking customers at one of Poland's largest banks.
  • Unified two separate investment apps into a single end-to-end flow
  • Cut compliance reading load by 60% per screen
  • Introduced filtering and comparison for 700+ funds, cutting browse-to-select time
What I Learned
Progressive disclosure works for legal content. Early compliance collaboration prevented two major redesign cycles.
What I Would Do Differently
I'd apply funnel analytics before launch to quantify drop-offs per step.
Explore the Demo
See the redesigned compliance flow, fund filtering, and purchase experience live.

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