Prepare
An accountant or finance teammate creates the payment order.
From payroll file to final signature.
Designing multi-signatory banking for businesses—so complex signing rules, permissions, and next actions stay visible across mobile and desktop.
- Role
- Lead Product Designer
- Scope
- Corporate & Shared Banking
- Platforms
- Mobile app · Desktop web
- Year
- 2025
One payment could involve many people, permissions, and stages.
ABANK primarily served individual customers. The new corporate experience had to support how real businesses prepare, sign, and execute payments.
The challenge was making multiple stages, signatories, thresholds, sequence, permissions, rejection, editing, and failed destination recovery understandable.
Approve
The order moves through the company’s signing stages and thresholds.
Execute
After the required signatures, the payer completes the transfer.
We tested the logic with the people who prepare the orders.
We interviewed payment order preparers from three companies, reviewed Kilid, and tested the primary prototype flows with the same three participants.
- Long destination lists made manual entry slow and risky.
- Signatories needed a notification when their turn arrived.
- The next responsible actor was not always clear.
- Failed destinations needed visible tracking and retry.
- The priority-based signing model remained difficult to understand.
More explanation could not fix the mental model.
The intermediate design separated configuration and display, but users still had to reconstruct the signing structure in their heads.
Design decisionWhen a mental model itself is confusing, don’t just add instructions; redesign the interaction so the logic becomes visible.
One product logic, adapted to both platforms.
Each group became one approval stage. Signatories became draggable cards and the minimum required signatures stayed visible inside every stage.
Connected mobile and desktop screens were reviewed side by side so terminology, statuses, thresholds, and next actions remained aligned.
Drag to explore
Desktop web
The same signing model on a larger canvas
Stages, thresholds, and draggable signatory cards use the same product logic on desktop.
Mobile app
Approval stages made visible
Each group is one stage; the required signatures and composition stay visible.
I designed the core interaction and aligned product logic across platforms.
Final signing protocol model and flow, protocol UI, corporate home widget, payment order detail, and signatories bottom sheet.
Reviewed connected mobile and web screens side by side to align terminology, statuses, logic, and next actions.
Related flow · Payment order detail
The signing model continued into the order itself.
Status, attachments, signatories, destination, and the available action were brought into one view.
The revised model was retested, received positive qualitative feedback, and was handed off. The product was paused before launch.
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