Magnum SCD

Market research across Nubank, Banco Inter, C6 Bank and Mercado Pago compared value propositions, UX patterns, frictions and support. Sketching and whiteboard iterations consolidated the MVP into four critical journeys.

Seamless onboarding in under three minutes with OCR and facial biometrics, a smart dashboard that groups expenses automatically, instant transfers on a Pix-first architecture, and benefits connected to the user’s passions.

Mid-fidelity wireframes came first, then a high-fidelity UI with a bold identity and a clear hierarchy. The goal was to remove cognitive noise: no redundant menus, no excessive gradients, just clear transactional flows.

The same patterns carry over to internet banking, so a customer moving from phone to desktop finds the statement, Pix and payments exactly where they expect them.

Pix is the most used feature of the account, so it became the reference for every other flow. I mapped each way of paying (key, copy and paste, QR code, branch and account) and designed them on a single structure: who receives, how much, when, confirm.

The same care went into what surrounds the transfer: limits the customer can adjust, Pix Automático for recurring payments and the dispute flow (MED), written in plain language for a moment that is usually stressful.

Opening a business account asks for much more than a personal one: company data, partners, legal representatives and documents. I broke the journey into six short steps with visible progress, so the applicant always knows what is left and can stop and come back.

Each step validates as the person types and explains errors where they happen. The partner step shows the percentage of ownership already registered, which removed the most common reason for incomplete applications.

App, internet banking and back office share one design system. A single token source feeds colour, type, spacing and elevation in light and dark, and the components are documented with their states and rules of use.

For the team this meant new flows assembled from existing parts, and for the customer the same language on every screen of the account.

Friction makes better interfaces: every bureaucratic click we removed came from listening to where people gave up.

First impressions drive adoption, and design thinking aligned a fast-moving team around four journeys instead of forty features.