High-Interest Savings App

The Morgan Stanley Now app was designed with a focus on overnight transfers, requiring a radically simplified interface unlike traditional banking apps. Core actions were limited to "In" and "Out," enabling users to initiate transfers quickly and effortlessly. The app’s "Goals" feature allowed users to monitor their earnings and schedule transfers to maximize their savings potential. Rapid sketching sessions in Illustrator and Sketch produced over 40 screen variations, exploring potential features and interactions. Additionally, a tablet version was conceptualized, showcasing how the app could adapt to larger screens while offering enhanced customer benefits, such as invitations to exclusive events.

Building on the wireframes, visual designs concentrated on a few key screens to define the overall design system and highlight essential states. The primary focus was on sign-in, balance check, and navigation, ensuring these critical flows embodied the app's commitment to simplicity and speed. The interface was typography-driven, emphasizing action words to communicate urgency and clarity. Morgan Stanley’s signature gem tone colors flooded the screens, creating a dynamic, energetic look that reinforced the “Now” concept and captured the excitement of earning.

To extend the "Now" concept, an Apple Watch app was envisioned, emphasizing immediacy and seamless integration. The app introduced a voice-activated transfer feature, aligning with the ethos of speed and convenience. Watch users could quickly access an overview of their account, check earnings, and follow intuitive prompts to set up new transfers—all without needing to reach for their phones, pushing the boundaries of accessible and immediate transfers.