We brought Open Banking to Ä°ÅŸCep, allowing users to securely connect and manage external accounts in one place. Launching with 10 banks, the feature enabled 15M+ customers to track balances, monitor transactions, and make transfers across institutions — all from a single interface. This marked a major step toward smarter, more transparent money management.
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Key contributions — Leading and executing MVP designs, research, testing
Project Snapshot
Problem
Regulatory changes mandated that all Turkish banks launch Open Banking features simultaneously — leading to a cluttered market with similar offerings and unclear user value.
Constrait
Worked across multiple product teams (accounts, payments, cards) with overlapping ownership
Key Decision
- Prioritized features like card visibility, transfer shortcuts, and cross-bank payments to increase daily utility
- Restructured the Accounts and Cards menus to reflect a unified, action-first experience
- Laid the foundation for future features that reward bringing money into Ä°ÅŸCep
Outcome
+222K
Open Banking accounts linked via Ä°ÅŸCep within 2 years
~121K
Users gave payment initiation consent — driving ₺2.3B+ in volume
+26.5%
Growth in HHS usage year-over-year
~20%
Of customers linked more than one external bank — showing trust and deepening engagement
Design Approach
Usability Testing,
Findings & Iterations
Before
50% of participants hesitated to add an account without seeing more context.
Users wanted transparent details before making a decision.
Before
Users were not able to track their permission timeline to access their accounts.
A usability test was conducted with 12 individuals, focusing on testing the clarity, completion, and comprehension of the various developed features.
After
We updated the drawer with:
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A primary action: "Add Account"
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Two secondary options: "Maybe Later" and "Detailed Info"
This reduced hesitation and gave users control, without overwhelming the screen.
After
To proactively monitor account access permissions, users will be notified via push as the access period approaches expiration. This ensures users stay informed and engaged, reducing the reliance on their initiative for managing account access.
Design Highlights & Measurable Impact
These foundational features helped Ä°ÅŸCep shift from a transactional app to a trusted financial hub for millions.
Key Features
​​​​Unified Financial Access
Link external bank accounts directly to Ä°ÅŸCep
Centralized view of balances, cards, and transactions
Seamless Multi-Bank Payments
Transfer money across institutions
Pay from any linked account within Ä°ÅŸCep
Trust & Control
Granular consent management
Clear, permission-first onboarding flows
Key Metrics
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​15M İşCep users
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25K+ daily active users
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~5% increase in revenue
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↑ Weekly improvement in user satisfaction
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(post-launch NPS tracking)
Driving Awareness & Feature Adoption
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We used a drawer to increase feature visibility without disrupting the homepage hierarchy.​
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A contextual banner was placed in the accounts section to introduce Open Banking within relevant user journeys.​
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Accounts Page -
with banner area of Open Banking
Home Page -
Drawer shows up
Increasing Stickiness Through Key Journeys
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The “Transfer to my Ä°ÅŸ Bankası account” option promotes fund consolidation — driving both retention and primary bank behavior.