Ryt Bank · 2023 · 2 min read
Ryt Bank has no branches. Everything a branch does to open an account had to happen on a phone, in one sitting.
ID checks, declarations and device security are all required. The job was making them feel like ordinary steps in an app.
Five stages, from the first screen to an account with money in it.
ProcessingThe loader and a short line of copy.
Still workingThe copy changes to say it’s busy.
Back to the scanA note and a one-tap retry.
01 · The wait
Checks can take longer at busy times. After 3 seconds the copy says so, and after 10 you’re back on the scan screen with a one-tap retry.
How a review can end
Can retryRedo the ID check. Nothing else is lost.
Application expiredVerify your identity again to pick it back up.
Not eligibleA clear answer and a link to support.
02 · Trying again
If the ID check fails, you redo just that step, with a short list of what to fix: an original MyKad, no photocopies, only your face in the selfie.
03 · After approval
New accounts land on home with a short checklist: add money, link DuitNow ID, try Ryt AI, get a card and verify your email. Each one ticks off as you go.
Two small inputs, ten states between them. Each one is drawn from the screens that shipped.
PasscodeSix digits, set once and paired to this phone.
Do not use repeated or consecutive numbers.
Do not use your mobile number.
The passcodes don’t match.
One-time passwordSix digits, sent by SMS.
Request another OTP in 0:59
Please enter a correct OTP.
Resend OTP
OTP has expired. Please request a new OTP.
Resend OTP
Too many attempts. Try again later.
“Signing up takes less than 2 minutes. All you need is your MyKad and a selfie.”
“The process feels smooth, is quick, and okaylah, polished.”
Most of onboarding is the unhappy path. Waits, retries and expired sessions took more of my time than the happy path, because that’s where people decide whether to trust a new bank.
Like my projects? Email me jordychew93@gmail.com or LinkedIn↗