HSBC's Global Online Banking Platform
- jonwalmsley
- Apr 8
- 2 min read
Updated: Jul 18

Overview:
When HSBC set out to unify its online banking experience for a diverse international customer base, it wasn’t just a design challenge - it was an orchestration effort. Each region had its own regulations, conventions, and deeply ingrained banking behaviours. Building a consistent, intuitive product for such diversity meant balancing usability, compliance, and scale.
As part of the UX team embedded through HSBC’s strategic design partner (HeathWallace / Mirium), I worked closely with product owners, designers, and engineering pods across a highly distributed delivery model.
We operated on a rotating “Bar System” model - where designers would pick up whichever new functionality became available. It mirrored the agility of barristers in a courtroom: fast, responsive, and deeply collaborative. But with that came the need for shared context, strong documentation, and peer alignment. No designer owned any flow alone - and that was the strength of it.
We didn’t just design. We tested, refined, and challenged each other’s work. Usability testing was core to our process, and it wasn’t siloed. I moderated sessions on my colleagues’ flows, and they tested mine - reducing bias and surfacing blind spots we might’ve missed solo. That feedback loop was where our best ideas emerged.

A few of my specific contributions:
Led UX for key transactional flows like Pay Multiple Beneficiaries and Credit Card Applications helping shape experiences that translated regulatory requirements into intuitive user journeys across markets.
Created region-specific flows tailored for complex scenarios (e.g. Jersey’s multi-tiered account structures)
Conducted moderated usability testing to uncover usability friction and inform design pivots
Delivered detailed Axure prototypes and annotated specs for distributed engineering teams across time zones
Took part in accessibility and compliance reviews, ensuring designs met banking standards and FCA guidance

Example of a simple user flow within the Pay Multiple Beneficiaries journey
What I learned:
Designing at this scale requires more than clean UI - it demands diplomacy, empathy, and a working fluency with constraints. Whether navigating stakeholder expectations or balancing regulatory nuance with usability, my role was often that of translator: turning complexity into clarity.

Outcome:
We delivered multiple high-priority journeys under tight timelines, enabling HSBC to roll out a consistent banking interface across continents. But more than any individual flow, the real success was embedding a collaborative, research-led design approach that scaled across both teams and territories.



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