Role
UX/UI Designer
Client
EuroBic
Plataforms
Web
Overview
EuroBic wanted to expand its homebanking platform by introducing two advanced services: Factoring and Supplier Payment Management (GPF). At the time, these services were entirely offline. Customers and suppliers had to visit a branch or call a support center to complete even the simplest actions, such as registering a supplier, viewing a contract, or authorizing payments.
The aim of this project was not to launch these services immediately, but to analyze every step of the current workflows and design a detailed blueprint for how they could be integrated into the existing digital platform in a future phase.
By the end of the project, EuroBic would have a clear, actionable plan for digitizing these complex services without disrupting the platform already used by its customers.
My Role
As a UX/UI Designer, I collaborated with a multidisciplinary team of product managers, business analysts, developers, and internal EuroBic stakeholders. My contributions included:
Mapping and simplifying complex business workflows for factoring and supplier payments.
Creating high-fidelity wireframes that showed how new services would look inside the current platform.
Supporting the creation of Facilitation Maps, working closely with stakeholders to align user touchpoints with backend processes and business rules.
Helping define the information architecture, ensuring scalability for future services.
The Challenge
EuroBic’s existing homebanking platform worked well for standard banking services, but factoring and supplier payment management involved highly complex, fragmented processes.
These services relied on manual work across multiple teams and systems, creating significant challenges:
Slow, inefficient operations, with customers lacking visibility into their own transactions.
High operational costs, as internal teams had to manage tasks manually.
Regulatory complexity, requiring precision and clarity in how data and approvals were handled.
The challenge was to digitize these services without overwhelming users, while also ensuring technical feasibility and compliance.
Our Approach
We started by aligning with stakeholders to define the scope and priorities for the project. From there, we moved into discovery and analysis, gaining a deep understanding of workflows, user needs, and system dependencies.
Based on these insights, we created high-fidelity wireframes to visualize how the new functionalities could fit into the existing platform. Finally, we brought everything together through facilitation maps, connecting user interactions with backend processes and business rules.
Each step built on the previous one and was validated with stakeholders and teams, setting the stage for the detailed work that followed.
Discovery and Analysis
The Discovery and Analysis phase was one of the most critical moments of the project, setting the foundation for everything that followed. We began by conducting collaborative workshops with Eurobic’s stakeholders and internal teams, bringing together diverse perspectives from business, operations, and technology. These sessions were about more than just discussions; they were about uncovering how the current system really worked and where the most pressing pain points existed. Instead of staying at a high level, we focused on visualizing reality, mapping out in detail how clients and suppliers interacted with the platform and how each of those touchpoints connected to the systems working behind the scenes.
This hands-on, highly collaborative approach allowed us to create a shared understanding of the entire ecosystem, bridging the gap between user experience, business needs, and technical constraints while laying the groundwork for everything that would come next.
By the end of this phase, we had mapped 75 distinct workflows to be digitized:
33 for Factoring
24 for GPF Clients
18 for GPF Suppliers
High-Fidelity Wireframes
While the initial plan was to create low-fidelity wireframes, we decided to go a step further and produce high-fidelity wireframes aligned with EuroBic’s style guide. This approach gave stakeholders a clear and realistic view of how the new functionalities would fit seamlessly into the existing platform, reducing ambiguity and speeding up decision-making.
These wireframes were not final production designs but detailed simulations, with each screen directly linked to its corresponding facilitation map to ensure backend requirements were accurately reflected.
In total, we delivered 399 screens covering every flow:
188 for Factoring
135 for GPF Clients
76 for GPF Suppliers
Facilitation Maps
One of the key outcomes of the project was the creation of Facilitation Maps, a tool designed to capture the full complexity of EuroBic’s ecosystem. Unlike traditional journey maps that focus only on the user perspective, these maps provided a holistic view by connecting three critical layers:
The user experience, detailing what clients and suppliers see and do at every step.
The supporting systems, showing the services and processes working behind the scenes.
The business rules, defining how decisions and validations are made along the way.
Co-created with EuroBic’s internal teams, these maps became a central alignment tool, bridging design, business, and technology. By visualizing how everything works together, they helped identify dependencies, gaps, and risks early in the process — enabling informed decisions and laying a solid foundation for future development.
Deliverables
The final package provided EuroBic with everything needed to move forward confidently into implementation, including:
Facilitation Maps that aligned user touchpoints, backend processes, and business rules.
399 high-fidelity wireframes, visually aligned with the current platform.
A revised information architecture to support future services.
Detailed documentation linking workflows, UX, and technical requirements.
Results and impact
Although the services have not yet been implemented, this project has already generated value for EuroBic by:
Giving teams across departments a shared roadmap for digitizing 75 workflows.
Reducing development risks by surfacing dependencies and challenges early.
Providing stakeholders with a clear vision of what the future homebanking experience will look like.
When factoring and supplier management go live, they will integrate seamlessly into the platform, giving users a modern, transparent, and efficient way to manage their finances.
Conclusion
The EuroBic Rely @Homebanking project was a strategic first step in EuroBic’s digital transformation.
Through deep analysis, advanced facilitation mapping, and high-fidelity visualization, we created a blueprint that balances user needs, business objectives, and technical realities.
This work set the stage for a smooth implementation phase and a future-ready platform that supports both clients and suppliers while strengthening EuroBic’s competitive position.