Project Overview

Project Overview

Project Overview

One Electronic Banking for SMEs — Making Business Finance Work

How Migros Bank is transforming complex financial workflows into intuitive digital tools, designed with real users in mind.

Role

UX Designer at Mimacom

Industry

Finance / Digital Banking

Duration

13 months

During my time at Mimacom AG, I worked with Migros Bank on new features for their business banking app. While I can share live screenshots, some features are only accessible to business account holders, and early-stage concepts remain under NDA.

As part of the Migros Group, the bank’s strong social foundation made the project feel meaningful — in addition to being a valuable design and product experience.

The Client – Migros Bank

The cross-functional team I joined, organized as a value stream, launched an initiative to expand and enhance the bank’s online offering for business customers, specifically small and medium-sized enterprises (SMEs).

From Fragmented Processes to Functional Digital Tools

Unlike private customers, SMEs manage their banking with teams of people and a wide range of responsibilities. Their processes are often complex, security-relevant, and must support multi-step approval flows.

Within the 1EB (One Electronic Banking) value stream, our goal was to make Migros Bank’s online banking platform truly usable for SMEs — reliable, understandable, and seamlessly embedded in their daily operations.


Our Guiding Question

How can we help small businesses manage their finances efficiently, during their workday and even on the go?

During my time at Mimacom AG, I worked with Migros Bank on new features for their business banking app. While I can share live screenshots, some features are only accessible to business account holders, and early-stage concepts remain under NDA.

As part of the Migros Group, the bank’s strong social foundation made the project feel meaningful — in addition to being a valuable design and product experience.

The Client – Migros Bank

The cross-functional team I joined, organized as a value stream, launched an initiative to expand and enhance the bank’s online offering for business customers, specifically small and medium-sized enterprises (SMEs).

From Fragmented Processes to Functional Digital Tools

Unlike private customers, SMEs manage their banking with teams of people and a wide range of responsibilities. Their processes are often complex, security-relevant, and must support multi-step approval flows.

Within the 1EB (One Electronic Banking) value stream, our goal was to make Migros Bank’s online banking platform truly usable for SMEs — reliable, understandable, and seamlessly embedded in their daily operations.


Our Guiding Question

How can we help small businesses manage their finances efficiently, during their workday and even on the go?


Understanding the Business Context

The Business Engineers in our team explored the workflows of Swiss SMEs — from payroll to mortgage overviews. Based on stakeholder input and user feedback, we prioritized features that provide direct value and reduce friction in everyday banking tasks.

Key user challenges we tackled:

  • Approving payment orders with multiple internal stakeholders

  • Uploading payment files (e.g., for salary runs)

  • Providing an intuitive future entry point for managing mortgages


Design Process

Our UX process was tightly integrated with the agile development rhythm. I collaborated closely with product owners, analysts, and developers, working in sprints and using Figma as our shared language for prototypes and specifications.

Feature Highlights

  1. Payment Approval (Visierung):
     Business accounts often require dual or multiple sign-offs. We designed a clean and secure approval workflow that is adaptable to various internal policies and procedures.


  2. Payment File Uploads:
     Many SMEs use accounting software to prepare bulk payments. Our new upload feature supports standard file formats and enables seamless batch payments (e.g., salaries).


  3. Mortgage Management (Concept Phase):
     Together with stakeholders, we developed a future vision for managing business mortgages within the platform, integrating insights from customer advisors and leveraging existing legacy systems.

Feature Highlights

  1. Payment Approval (Visierung):
     Business accounts often require dual or multiple sign-offs. We designed a clean and secure approval workflow that is adaptable to various internal policies and procedures.


  2. Payment File Uploads:
     Many SMEs use accounting software to prepare bulk payments. Our new upload feature supports standard file formats and enables seamless batch payments (e.g., salaries).


  3. Mortgage Management (Concept Phase):
     Together with stakeholders, we developed a future vision for managing business mortgages within the platform, integrating insights from customer advisors and leveraging existing legacy systems.

The Outcome — Reliability, Not Reinvention

The new features were successfully rolled out and immediately usable. Because we worked within Migros Bank’s existing design system and architectural framework, we were able to build efficiently — enhancing the platform without creating disruption.


Reflections

Great UX in enterprise tools means clarity.

Especially in finance, where trust, speed, and ease of use are essential, simple, well-researched solutions make the most significant difference.

The Outcome — Reliability, Not Reinvention

The new features were successfully rolled out and immediately usable. Because we worked within Migros Bank’s existing design system and architectural framework, we were able to build efficiently — enhancing the platform without creating disruption.


Reflections

Great UX in enterprise tools means clarity.

Especially in finance, where trust, speed, and ease of use are essential, simple, well-researched solutions make the most significant difference.

Curious to hear more about this project?

Curious to hear more about this project?

Curious to hear more about this project?

Copyright 2025 by Dietmar Kolar

Copyright 2025 by Dietmar Kolar

Copyright 2025 by Dietmar Kolar