The traditional CDT process at Banco de Bogotá was heavily analog, requiring in-person visits and manual paperwork, which led to inefficiencies and a disjointed user experience. Customers struggled with understanding CDT benefits, lacked transparency around conditions, and faced barriers to renewal or management. The challenge was to create a digital-first experience that simplified the process, educated users, and empowered them to make informed financial decisions—all while aligning with the bank’s operational goals and brand identity.

I transformed the analog process into a digital flow, focusing on user education and empowerment. I designed wireframes and prototypes to enable users to simulate gains, select accounts, and review conditions transparently. For example, the "Simulate Your Investment" feature allowed users to input their investment amount and see potential earnings (see below), while the "Product Conditions" screen provided clear terms before confirmation. I used Figma to create high-fidelity prototypes, iterating based on user feedback to refine the experience.

After usability testing, I iterated on the designs to address friction points, such as simplifying the account selection process and ensuring transparency in the final summary. The platform was launched as an MVP, allowing users to open a CDT digitally in minutes. Post-launch, I gathered feedback to plan future enhancements, like automated renewals and personalized recommendations, ensuring the solution remained scalable and user-focused.