The bank had the data.
The merchants had the questions.

Easy Banking Business is open to the contract holder, not to the person who runs the shop.

• What these numbers measure: access to the portal, not interest in a service that did not exist yet.
• What they hide: access is personal.

So the service was aimed at a user without the key. Handing over that key without a banking procedure became a design problem in its own right.

One service, three jobs, three expectations.

• The role that decides is not the role that executes: one arbitrates between shops, the other acts on his own.
• What separates them is neither age nor sector, but the power each has over the product, the contract holder is not even an occupation.

So the settings are not an admin screen. They are a feature, and every threshold states plainly what it changes in the reports.

Two sources in the same hand.

• The raw material is vast: business accounts on one side, card payments on the other. Raw, it answers nothing.
• The work was to aggregate it for him: the merchant has neither the time nor the practice to look for the useful cross-readings.
• That is what the workshop was for: the aggregations named one by one, then sorted into four categories.

Aucun des acteurs du benchmark ne tient les deux sources à la fois. C'est le seul avantage que le projet peut revendiquer sans le documenter davantage.

What am I actually going to use this data for?

Noted in the interviews: the figures were accurate and readable, but the interpretation was still left to do. Without training in statistics, a merchant has no reference points to do it alone.

• An alert with the number, the reason, the hypothesis to test, the estimated gain.
• Never a bare chart, never a statistical term, never a meaning carried by colour alone.
• The product takes a position: it says what is moving, why, and what it is worth.

I get statistics, not new customers.

Banking data is anonymous and aggregated. It will never give a name, an address, a way to contact anyone in particular. The objection is real and there is no way round it.

• Won, loyal, lost, with the sentence that adds them up.
• “Your growth rests on new customers, not on loyalty.”
• The answer is partial, and the page says so.

The tool lives inside Easy Banking Business. The target cannot get in.

Access runs through the bank's secure environment, reserved for the contract holder.

• The banking core is untouched: it is the entry point that moves onto the business contract, which already exists.
• The contract holder copies the address tied to their contract and sends it.
• The guest opens it, on their phone, with nothing to install.

What went to the client.

• The research report, the concept report, and the navigable prototype.
• The access journeys, written as user stories, down to the invitation link.
• The scope, with what falls outside it and why.

The online prototype replays this concept with the decisions taken during the assignment. That is the version that stands.

See the result