<aside> 🙋🏼‍♀️ This case is still in development. For now, here is a brief progress of work on the task. I can tell you more and answer your questions in person

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Context

I've been working for over a year in the payments and financial services team. In addition to solving team problems, I help with organizing the design process. So I developed master files for mobile and web platforms, where I collected all banking application scenarios with easy navigation for all team members, as well as developed instructions. This led to a 2-fold increase in the speed of the team's work due to a more transparent and faster exchange of up-to-date versions of all parts of the product (especially during the app's lockdown in AppStore).

Business problem

The challenge came from the business. For a long time the bank has been discussing a new concept of tariffs. As it is a problem with impact on the whole bank.

1. The option constructor is complex and 💸 expensive The client pays us slightly less for the "Constructor" tariff than for the whole tariff. At the same time such a client uses only 1 option, i.e. perceives the bank as a reserve bank for one type of payments.
2. Maintaining and developing 🛠️ tariffs is very intensive Because only 3 tariffs turn into a large number of variations of options. Add to that the possibility to choose a 6/12 month period and it turns out to be very expensive in support
3. It is impossible to enter payment ☠️ by periods Because of the already sufficient complexity in developing and maintaining a rate-constructor that presents many variations - adding 3 more variables looks like the death of the solution.

Users problem

Together with the product manager, we did a little CustDev to find out how our customers use the tariffs.

1. Hard to calculate ⚙️ cost of maintenance Because of the Constructor, a third variable is added - option price. The client pays not one amount per month for cash management services, but 3 amounts: for each option separately
2. It is difficult to customize the tariff because 😵‍💫 of choices Customers are confused by the large canvas of options that customize the tariff. They want fewer choices so it's easier to make a decision

Challenges

All competitors in the banking niche have Tariffs - limits on account transactions, and further progressive fee percentages on the amount of the transaction.

We want to do a subscription. These are not just limits, but favorable periods, packages with services and products on increased subscriptions, preferential interest and increased deposit rates.

But how to explain this to a client who is used to the pattern of other competitor banks (and even us now), as well as in the subscription Tinkoff pro as an individual.