Case study 04 · Regtech · enterprise SaaS

Self-Service Portal — Onboarding for regulated business accounts

Opening a regulated account meant weeks of paperwork across three separate processes, with errors surfacing only once compliance was already reviewing. I designed one adaptive path the applicant could see the whole way through.

Read
Weeks → hourscustomer registration time
3 → 1manual processes collapsed into one adaptive flow
Onecompliance audit trail, replacing three separate email trails
Role
Senior Product Designer (Contract)
Team
CTO, Managing Director, engineering
Scope
Onboarding, identity verification, status tracking
Influence
Made the one-system case to the CTO and MD; carried it through build
ProblemRegistering with this regulated financial-services client meant paper forms, email chains, and weeks-long compliance checks. Three account types each ran a separate manual process; errors entered early and surfaced late.
The callOne adaptive portal that branches internally — each applicant sees only what applies to them, and the business maintains one set of compliance rules. Branching is the system's job, not the applicant's.
ResultRegistration from weeks to hours, validation moved to the point of entry, and compliance now reviews complete applications instead of chasing incomplete ones.

Three flows, or one

Three account types made three flows the obvious build. But three flows means compliance rules drifting apart in three places every time regulation changes.

Branching is the system's job, not the applicant's.

One adaptive portal could ask each applicant only what applied to them — and give the business a single source of truth to maintain.

Three account types, one system

  • The obvious buildThree separate flows, one per account type. Every regulatory change applied three times, and drifting three ways.
  • The other extremeOne generic form for every case. A single source of truth, but every applicant wades through rules that are not theirs.
  • What I builtOne adaptive portal that branches internally. The applicant sees only what their case requires, and the business keeps one set of compliance rules.
View my comment

Three account types made three flows the obvious build. I recommended one system to a CTO and MD — the real cost of three wasn't the UI, it was three sets of compliance rules drifting apart on every regulation change.

One adaptive journey

The portal identifies the account type at entry and adapts everything downstream — fields, document requirements, compliance gates, sequence. An applicant sees a form that asks exactly what their situation requires. Identity verification was designed into the flow rather than bolted on: face verification with clear guidance, email confirmation, and PIN-based authentication for white-label partners, whose end customers needed secure access without ever seeing the underlying platform.

See the same flow from each user's perspective — switch the account type and watch how the form, documents and steps change.

Your details

Documents required

    Your application

      Making the process visible

      The research finding that shaped the interface: opacity, not effort, was what made onboarding painful. So the design made state visible everywhere — contextual guidance at each step, validation at the point of entry in plain language, and real-time status tracking with notifications replacing the email-chase. Across testing rounds, completion improved when validation happened at the point of entry rather than at submission, and the chase-up queries that defined the old process didn't follow the new one into testing.

      View my comment

      The research finding that reframed everything: opacity, not effort, was the pain. Once I believed that, "make every state visible" became the whole design, not a polish pass at the end.

      What it changed

      Validated earlyerrors caught at the point of entry instead of surfacing in compliance review
      One sourcea single set of compliance rules to maintain, not three drifting apart
      Reviewing, not chasingcompliance shifted from chasing incomplete applications to reviewing complete ones

      I led the move to one system with the CTO and Managing Director and carried it through build. The branching is rule-based, wired to the back-end policy rules, so every gate maps to something compliance can certify.

      Reflection

      The choice of one system over three was architectural as much as design, validated in a one-month sprint with the CTO and Managing Director, then carried through build. But it needed engineering in the room earlier. Branch points where account-type rules conflicted surfaced late and had to be reopened, a sequencing call I would make differently, and the clearest lesson this project taught.

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