Stone ABC: A complete platform for small and medium businesses

Research, user flows and interface.
Overview
Stone payments was the company that completely changed Brazil's Acquisition market, creating an excellent service beyond any comparison. Besides providing a high quality product, it also invested in support and technology to do so. It was one of the first Brazilian's unicorns, it's IPO on NASDAQ was sponsored by names like Jack Ma and Warren Buffet.

To continue providing a great service to our customers, a consistent experience cross-service was essential. Our team accepted the challenge to create this experience, in a small time frame so we could prove the concept to our stakeholders.
My Role
In this project I worked in a team with three other product designers, the design lead, one research specialist and one UX writer. The team had professionals from both Acquisition and Banking Services. I was part of the Banking Service's team.

We were focused on this project for a short period of time, a month or so, in a single room, to have an outcome as soon as possible, working alongside developers on a daily basis. After that, ABC became the company's main product.

The rollout was December 2019.

Since this case is sensitive, I obfuscated some screen information and confidential content.

A mockup of two cellphones and a credit card for the abc project
Process
We are a single company. Why do we offer services as multiple companies?

With that question in mind, we began to work on the process of understanding how we could gather services from the main three company's revenue streams: Acquisition (Point of sale), Banking and Credit services. Our main goals were:

  • Create a single experience across the company's services.
  • Make a scalable platform so, in the future, we could add more services and facilities to our customers.
  • Communicate this change to our clients in a simple way.
A group of people in a room having a meeting
Discover and definition
Understanding the real problem
We gathered as a team and understood each other's products and what challenge we had.

The first step was a desk research to understand other players from the market. We discovered at this point that we did not have a similar experience in Brazil yet, so we started searching abroad for this kind of service. The ones we found had a separate experience inside the same app, like Aliexpress, and that was not our goal.

We wanted our user to have a unified experience, so there would be no more Banking or Acquisition, only Stone.

With our goal defined, we gathered and discussed the peculiarities of each product, overlapping areas and how to put it all together in a single app. When we defined a structure, we did some interviews with users to understand if that made sense to them and or if it was too complex.

Our main challenge at this point was to find a way to show all the income and expenses at the same time, future and past.

The main problem with showing Acquisition and Banking on the same app is that the user may not receive this future income in the same banking account that we were showing. First, we had to make it very clear. But, second, this could be an opportunity to increase the number of banking accounts.

So we created some visual solutions and went to test with our customer. Since the time frame was short, most of the testing was not structured, just guerrilla. We called some Stone clientes and talked to them to understand how our solution made sense to them and how it would benefit their businesses. The results were:

  • Make very clear what our customer would receive in each account.
  • Create separated areas to show how much money he or she earned, owns and how much he or she will receive in future incomes.
A diagram showing account dynamics. Past, present and future income and expenses.
Two template screens for the abc project
Stunning visuals: Creating template layouts and interface rules.

After testing and validating our structure, we created a basic style guide with components, so our designers could create all user flows with consistency. This allowed us to build a single product as a team, working with different features at the same time.

The style guide we created was the beginning of a powerful design system for the the whole company.

Development
All hands on the deck: It was time to consolidate the app.

As soon as we found a way to consolidate the experience, we started the hard work to pass all the existing features, such as transfer, payments, sales, to the new app. Our goal was not to interfere with these features since they did not overlap, so we just adapted to the new app.

It was really important to maintain all features that our customers were used to in the previous apps, so the experience with these satellite parts wouldn't change. While we were working on these, the main part was being developed. We started with Android and soon after we had coded prototypes in both OS.

Outcomes
With our product fully working, we began the rollout.

Some of the results for this project were:

Nº 1

Industry's NPS

100x

Account openings

120+

Research participants

Design Team
Lead designer: Rafael Rodrigues
Product Designers: Carolina Mender, Antonio Lapa, Antonio Pires, Julia Kattlemann
UX Writing: Mateus Ferre
Researcher: Flavia Moreira

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