Lloyds internet banking

Koiton was heavily involved in the exploratory phase of the consumer internet banking 2014 overhaul. A number of UX and UI variations were explored before a route was chosen for Lloyd's in-house team to take into development.  

A mature iteration, and the live version featured in a Lloyds Bank awareness video.

LLoyds Bank Lab

Koiton was invited to a participate in an Lloyds Bank / Razorfish creative lab. It’s aim was to investigate and identify and validate new hypothesis and strategies for structural optimisation, customer awareness, product development and revenue generation. Koiton served as member of a creative product team which would formulate then validate a number of strategy’s proposed opportunities.

Lloyds Lab: Lloyds abroad

A handy traveling bank, gives you the real world exchange rate (not interbank), let’s you see your balance in the local currency. Calculates expenditures, lets you assign a trip budget, helps find compatible ATMs. Provides you with emergency numbers and contacts if the unfortunate need arises.

The strategic aim was to sell travel insurance, a profitable side of Lloyds’ business, which was seldom purchased post departure. Also encouraging customers to use their Lloyds cards, to make profit from currency exchange. As a bonus it would reduce the occurrence of customer support enquiries when customers trying to use cards abroad, as Lloyds would have their travel flag applied.

Lloyds Lab: Shared spaces

A novel shared account with any number of members. Use it for splitting utilities or funding group vacations. All users, Lloyds customers or not could message, make payments, view account activity and feel in control of their shared investment. The strategic aim was make financial gains on the account holders float. And to touch non Lloyds customers, illustrating usefulness, inventiveness and forward thinking.