Turn regulatory complexity into a human-centered experience, showing enterprise-level strategic thinking.
The Challenge
Section 1
Dashboard UX
Front End UI
Back End Data Systems
Take a cluttered data dump and re-org with applied IA principles to prioritise key metrics.
Understand API constraints and latency through the developers eyes, ensuring the UI is designed gracefully while loading large datasets.
Goal
Implement the Account Information Service Provider (AISP) flow for Open Banking on desktop. Provide users with aggregated financial insights within a complex data Dashboard from multiple sources.
Secondary Goal: Demonstrate strong understanding of FE interactive design solutions for BE data systems.
The Problem
Open Banking consent is inherently complex and intimidating, leading to high drop-off rates and regulatory fines.
Strategic Opportunity: Design a Consent Management Dashboard that not only meets legal requirements (i.e. PSD2, CMA) but also builds trust, by making the flow transparent and effortless.
Gathering the principal players
This case study hinges on transforming a fragmented jigsaw of data into cohesive, high-trust UX.
UX Writing
AI UX Designer
Data Points
Thinking entity to symbolise Open Banking
This AI-UX designer employs the hybrid model:
Human
Journey designing, API and BE driven integrations, and user needs
A simple AI prompt
Create an abstract amorphous image, a ‘thinking’ entity for a financial dashboard using gradient blues and green
Navigation
An action-oriented, collapsible side nav needs to balance financial utilities (i.e. linked accounts and permission-driven consent) while managing who has access to what.
To respect confidentiality agreements, the branding and specific naming have been modified. This product is currently live and serving 10K plus HNW users.
Gold Standard Row Content
API > Actionable
Prompt; Nano Banana
Shift the data from static information to high-trust insights.
By balancing security indicators (timestamps, verified credit boost), the interface transforms complex Open Banking API calls into a true financial dashboard.
Prototyping & Flow Design
Section 2
Active consent
Data transparency
Design to steer strategy and make complexity feel simple.
Revoking Permissions
Progressive disclosure
Dashboard UX
Iconography
Financial dashboard
Move beyond a simple list of connections, transforming a technical req into a high-value financial dashboard.
Prototyping
Introduce a clickable mid-fidelity prototype to define a concise, step-by-step journey, using a Just-in-Time disclosure model to manage information overload.
Re-connect (or re-authorise)
AISP Flow
ACCOUNT Sharing
Micro-interactions
The Off-Ramp
Simplifying the renewal process with an option to “Revoke” with a single click.
Prototyping
Discover unwanted connections, show transparency by surfacing shared information
and provide control by allowing for a clear account selection process.
Lessons Learnt & Outcomes
Section 3
DATA retention
Human-readable insight
The Just-in-Time Model
Cognitive overload
Data retention
Revocation & Renewal
The Takeaway: The “Off-Ramp” (revocation) uses Progressive Disclosure model for revoking permissions preventing information overload.
- Outcome: A two-step confirmation modal for revocation.
- Opportunity: Separating expired consents (< 90 days) from older data (> 90 days) could better inform users about long-term data retention policies.
High-Trust UX
Dashboard UX
Security
Using IA to instil trust
The Takeaway: Consent shouldn’t feel like a legal hurdle. By moving away from a data dump to applied IA, the complexity of PSD2/CMA requirements is rebranded as a transparency benefit.
- Outcome: Gold Standard Row Content model that translates technical API calls into human-readable insights.
- Opportunity: Logical Chunking can reduces cognitive friction, adding a I do not recognise flow with Fraud warning capability goes that extra step.
Figma Tip: Vertical v Horizontal
Component variants: Designing a data-rich responsive Figma table row and cell components with auto-layout should be set-up with component variants, giving the flexibility to swap in complementary formats for differing data points.
Cell Design: For the ultimate flexibility, component cells should be stacked in a vertical AL column, set to (W) Fill.
Outcomes
The project proved that prioritising transparency and control in regulatory design is the highest leverage move. Focus on clear FE design, BE clarity, and the details (i.e. 90 day consents) to transform a legal requirement into a trust-building feature.
Go Beyond the Screenshot
Static frames only tell half the story. To truly understand the user journey, to feel the interaction several high-fidelity Figma prototypes are available for walkthroughs.
Advanced prototyping
Auto Layout
Microinteractions
Design Systems
Please get in touch and request access
Comments
One response to “Redefining Consent Mngt”
The potential for API-driven finance is massive. We’re moving toward a ‘Finance-as-a-Service’ model where the friction of switching providers or managing multiple accounts is finally disappearing. The real winners here will be the developers and platforms that can turn this raw data into actionable insights for the average user. Excited to see who leads the charge in this next phase of the fintech revolution.