The mortgage loan process in Denmark is lengthy, complex and involves several financial specialists. Systems are outdated and involve large amounts of manual input by advisors. This leads to mistakes and long waiting times for clients. Due to their complexity, the current systems do not address the users in question - the mortgage loan takers. Sydbank and Bankdata joined forces with Trifork and Duckwise to address these problems. Using a Trifork Accelerate design thinking workshop, we carried out a thorough ideation process based on needs analysis. From here, we set out to design a mortgage loan system aimed at providing an intuitive and engaging dialogue tool for advisors and their clients.
In close collaboration with financial experts, architects, developers and end users, we designed a solution that simulated and effectuated mortgage scenarios. In addition to providing a user-friendly, scalable and visually intuitive interface, the solution needed to comply with the complex legal landscape surrounding mortgage loans. Therefore, we carried out weekly co-creation workshops with advisors, bringing together our design skills and their field-specific expertise. Building the solution, we have scaled and documented an entire design system. The design system provides rules and guidelines for the design - from single icons to large complex components - allowing us to stay consistent while efficiently designing new features.