One door, two paths
Sign up asks a single question: open a new account, or register an account you already have. Both paths share the same verification steps.
Alfa / Gen 3 · Flagship / Use case
Open an account and join Alfa in one sitting.
The audit found that opening an account and registering for the app were two separate journeys. The flagship joins them, using the biometric and CNIC verification we had already proven in Gen 2.
01The problem
Two journeys that should have been one.
The external audit was blunt about onboarding. Opening an account digitally and registering for Alfa were separate journeys. A new customer could finish one, then start the other from scratch, with no way to see where their application stood.
We already had strong pieces from Gen 2: biometric verification with NADRA, a guided CNIC scan, and carefully designed failure states. Gen 3 joined them into one path.
02Key decisions
What I designed, and why.
Progress you can see
Long forms are split into short sections with a counter (2/12, 5/7), and each section opens with a plain explanation of why the bank needs it.
Identity checked once
CNIC scan and fingerprints are verified against NADRA once, then reused for both the account and the Alfa login. It’s the Gen 2 biometric flow, carried forward.
Failure states with a way forward
Fingerprint not matched, daily retry limit reached, an account that already exists, a relationship that can’t be found: each one says what happened and offers the next step.
Review before you submit
Every answer is shown on one review screen with an edit link per section, so mistakes are fixed before they become branch visits.
Finish inside the app
The account-created screen leads straight into Alfa with your new account details, so the customer starts banking instead of waiting for a letter.
03Open an account
From “sign up” to a working account.
Drag or scroll sideways, and tap any screen to see it larger.
1Choose a path
Open or register.
2Account type
Conventional or Islamic.
3Personal details
Why we ask, upfront.
4Contact
Mobile and email.
5CNIC scan
Clear rules first.
6Front of CNIC
Guided framing.
7CNIC verified
Instant feedback.
8Biometrics
Fingerprints via NADRA.
9Left hand
One hand at a time.
10Verifying
Patience, explained.
11Verified
Ready to continue.
12Banking needs
What it’s for.
13Source of funds
Simple choices.
14Preferences
Card, cheque book, alerts.
15Debit card
Fees shown upfront.
16KYC
Explained in plain words.
17Documents
Photo, signature, income.
18Review
Edit any section.
19Account created
Straight into Alfa.
← Drag to follow the flow →
04Register with Alfa
For customers who already bank with us.
The same verification, then credentials, a login PIN and the accounts to link.
1Verify OTP
Code sent to the registered number.
2Credentials
Live rules and strength.
3Login PIN
Rules before you type.
4PIN set
Offer fingerprint login.
5Link accounts
Choose what to see.
6Transaction limits
Set your own ceiling.
7Choose a theme
Conventional or Islamic.
← Drag to follow the flow →
05When things go wrong
The screens nobody wants to see, designed with care.
06Next time
What I’d improve, with hindsight.
Still on my list
- Save and resume. Account opening is long, and people get interrupted. The application should pick up exactly where they left off, on any device.
- Show the status after submit. The audit asked for application tracking, and it deserves a home-screen card, not just an SMS.
- Fewer questions up front. Some KYC answers could be asked later, once the account is already useful.
