SHB SAHA

Mobile banking application

Crafting intuitive personal finance tools and secure onboarding experiences for a leading Vietnamese commercial bank

Crafting intuitive personal finance tools and secure onboarding experiences for a leading Vietnamese commercial bank

Crafting intuitive personal finance tools and secure onboarding experiences for a leading Vietnamese commercial bank

ROLE


Product Design

User Research

TIMELINE


11 weeks

[Summer 2025]



TEAM


1 Senior UX researcher

1 Senior UX Designer


TEAM


1 Senior

UX researcher

1 Senior

UX Designer


TOOLS


Figma

Figjam

OVERVIEW

Shaping features across the product.

In the Summer of 2025, I joined SHB's Digital Transformation Team as a product design intern, contributing to three features on SHB SAHA — the bank's newly launched mobile banking app.


My primary focus was a personal financial management tool, a new consumer-facing feature designed to improve customer experience and build long-term loyalty. Alongside this, I worked on integrating a credit package into the onboarding flow, and supporting research and exploration for the quarter's core focus — the Security Center.

Over the summer, I worked on:

  1. Cash flow & asset management features

  1. Onboarding redesign for new credit offerings

  1. Security Center research and discovery

CONTEXT

Designing for digital transformation.

As one of the leading commercial banks in Vietnam with over 30 years of history, Saigon-Hanoi Bank (SHB) is currently undergoing a massive digital transformation to better serve its growing customer base. Through their forward-thinking "Bank of the Future" initiative, SHB is actively modernizing its digital footprint to deliver a more accessible, seamless, and innovative mobile banking ecosystem.

I joined their core digital transformation team to work on the SAHA platform, where I was able to contribute to features that were considered core to the retail banking experience on their applications and support various other features.

OVERVIEW

Shaping features across the product.

In the Summer of 2025, I joined SHB's Digital Transformation Team as a product design intern, contributing to three features on SHB SAHA — the bank's newly launched mobile banking app.


My primary focus was a personal financial management tool, a new consumer-facing feature designed to improve customer experience and build long-term loyalty. Alongside this, I worked on integrating a credit package into the onboarding flow, and supporting research and exploration for the quarter's core focus — the Security Center.

Over the summer, I worked on:

  1. Cash flow & asset management features

  1. Onboarding redesign for new credit offerings

  1. Security Center research and discovery

CONTEXT

Designing for digital transformation.

As one of the leading commercial banks in Vietnam with over 30 years of history, Saigon-Hanoi Bank (SHB) is currently undergoing a massive digital transformation to better serve its growing customer base. Through their forward-thinking "Bank of the Future" initiative, SHB is actively modernizing its digital footprint to deliver a more accessible, seamless, and innovative mobile banking ecosystem.

I joined their core digital transformation team to work on the SAHA platform, where I was able to contribute to features that were considered core to the retail banking experience on their applications and support various other features.

PROBLEM SPACE

How might we meet users where they are in their financial journey and mindset, making it effortless to track, understand, and act on their personal finances?

How might we meet users where they are in their financial journey and mindset, making it effortless to track, understand, and act on their personal finances?

Vietnamese banking customers span a wide range of financial literacy levels, life stages, and relationships with money — from first-time savers to seasoned investors, from those who prioritize safety to those who spend freely. In order to design a comprehensive experience, we mapped users across two axes: where they are in their financial journey, and how they think about money.

This shaped two core design priorities — turning a user's own banking data into actionable insights, and building financial literacy progressively, from the basics to more advanced concepts, all within a single financial hub on the app.

IMPACT

Designing solutions to bridge the old and the new across a product.

At SHB, I contributed to a shipped feature, owned the end-to-end design of a feature handed off, and presented user research to inform decisions on a core product initiative. My work was part of a broader shift toward more human-centered product development - helping one of Vietnam's leading commercial banks stay competitive in its digital transformation.

IMPACT

Designing solutions to bridge the old and the new across a product.

At SHB, I contributed to a shipped feature, owned the end-to-end design of a feature handed off, and presented user research to inform decisions on a core product initiative. My work was part of a broader shift toward more human-centered product development - helping one of Vietnam's leading commercial banks stay competitive in its digital transformation.

IMPACT

Designing solutions to bridge the old and the new across a product.

At SHB, I contributed to a shipped feature, owned the end-to-end design of a feature handed off, and presented user research to inform decisions on a core product initiative. My work was part of a broader shift toward more human-centered product development - helping one of Vietnam's leading commercial banks stay competitive in its digital transformation.

IMPACT

Designing solutions to bridge the old and the new across a product.

At SHB, I contributed to a shipped feature, owned the end-to-end design of a feature handed off, and presented user research to inform decisions on a core product initiative. My work was part of a broader shift toward more human-centered product development - helping one of Vietnam's leading commercial banks stay competitive in its digital transformation.

CONTRIBUTED TO A SHIPPED FEATURE RELEASED TO

200,000+ users

across Vietnam

PRESENTING RESEARCH & FINDINGS TO

12 domain experts across departments

LEARNING

Navigating complex problems to deliver simple solutions.

Cultural context plays a huge role in user behavior.

I worked on the Personal finance management features: working on the shipped asset overview feature and owning the end to end of a cash flow

Understanding users' diverse perspectives and habits

I worked on the Personal finance management features: working on the shipped asset overview feature and owning the end to end of a cash flow

Cultural context plays a huge role in user behavior.

I worked on the Personal finance management features: working on the shipped asset overview feature and owning the end to end of a cash flow

Knowing when to push and challenge conventions.

I worked on the Personal finance management features: working on the shipped asset overview feature and owning the end to end of a cash flow

MY TAKEAWAYS

This summer had been a meaningful experience for me. I learnt to:

  1. Navigate agile workflows inside a large corporation mid-transformation

  2. Get comfortable with the technical vocabulary of credit, loans, and banking products

  3. Reconnect with why product design exists at all — not to ship features, but to understand people