SEB PAYLINE by MAXIM FOMCHENKOV

INTRO
‍

On a warm summer evening, I got an idea how it would be convenient to send small amounts by instant payment, since the bank does not ask for a full authorization cycle for small transactions. At that time no one had heard anything about Revolut, and still everyone wanted to throw small sums left and right.

Fortunately for me, I knew very well one person who knew one person very well, who...

Long story short, to some person who made decisions in the bank, this idea seemed interesting and we were greenlighted.

There were also presets for fast cell phone payments. The application was supposed to coexist separately from the main mobile application of the bank with a full set of functions.

PRODUCT

The app was simple enough — there was nothing beyond the simple concept of making payments quickly or finding an ATM. It was possible to request or to make payments both through the generated QR code and using an ordinary IBAN.

There were also presets for fast cell phone payments. The application was supposed to coexist separately from the main mobile application of the bank with a full set of functions.

NAMING
+ BRANDING

Of course, today I would call this application SEB GO, but at that time Yandex had not yet come up with its own service of the name and I had to get out myself. I didn't bury myself in metaphors, and that's how the name Payline was born.

The logo turned out to be as simple and understandable as the name. But for that no one asked what it meant.

Application Icon

iOS
+ ANDROID

The differences between the platforms were minimal. And by the way, an interesting fact – our application was so well optimized by software that when using it, the battery on Android smartphones sat down more slowly than when the phone was in standby mode.

WINDOWS
PHONE
‍

Contrary to popular belief, it turned out that owners of Windows phones can also have money. This means that they can potentially be bank customers, which means that they should also be taken into account when developing an application. What? Yes Sir.

But, dear reader, I not only held a real windows phone in my hands, but even read guides on it.
More precisely, I could have read it if I would know how to do it.

CONCLUSION

The product passed closed testing within the walls of the bank and was overwhelmingly successful. Unfortunately, as a result of huge bureaucratic red tape, which we have no right to talk about here, the product, despite its potential (at the time of creation), did not come out.

The good news is that this was the impetus and starting point for the creation of a great new mobile bank. The bad news is that the bank had its own design team for this task.

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