Stateful Dashboard
Overview
In the latter part of 2021 we were looking to bring multiple product features to the forefront of ONE in a way that presented relevant and timely content to each user. We wanted this to be a dashboard for your financial life that would update everyday and help users feel that they were in control of their money.
Information
Company – ONE
Role – Creative Director / Design Lead
Year – 2021

Stateful Dashboard
Overview
In the latter part of 2021 we were looking to bring multiple product features to the forefront of ONE in a way that presented relevant and timely content to each user. We wanted this to be a dashboard for your financial life that would update everyday and help users feel that they were in control of their money.
Information
Company – ONE
Role – Creative Director / Design Lead
Year – 2021

Stateful Dashboard
Overview
In the latter part of 2021 we were looking to bring multiple product features to the forefront of ONE in a way that presented relevant and timely content to each user. We wanted this to be a dashboard for your financial life that would update everyday and help users feel that they were in control of their money.
Information
Company – ONE
Role – Creative Director / Design Lead
Year – 2021

The Problem
ONE had a great onboarding process to get people into their app with a completion rate over 90%. However, once people made an account the drop off rate for funding greatly out weighed the success of onboarding users. Customers weren’t funding, because they didn’t immediately perceive value once they opened the app.
How might we increase customer funding and activity via tailoring users’ experience with information and features relevant to their needs and intentions?
The Problem
ONE had a great onboarding process to get people into their app with a completion rate over 90%. However, once people made an account the drop off rate for funding greatly out weighed the success of onboarding users. Customers weren’t funding, because they didn’t immediately perceive value once they opened the app.
How might we increase customer funding and activity via tailoring users’ experience with information and features relevant to their needs and intentions?
The Problem
ONE had a great onboarding process to get people into their app with a completion rate over 90%. However, once people made an account the drop off rate for funding greatly out weighed the success of onboarding users. Customers weren’t funding, because they didn’t immediately perceive value once they opened the app.
How might we increase customer funding and activity via tailoring users’ experience with information and features relevant to their needs and intentions?
Welcome to ONE. Here's what's next.
Our data told us that users that funded shortly after signing up were much more likely to become life-time customers. While we had calls to action in the old design to add funds we didn’t clearly explain the benefits a customer would receive when they banked with ONE.
Welcome to ONE. Here's what's next.
Our data told us that users that funded shortly after signing up were much more likely to become life-time customers. While we had calls to action in the old design to add funds we didn’t clearly explain the benefits a customer would receive when they banked with ONE.
Welcome to ONE. Here's what's next.
Our data told us that users that funded shortly after signing up were much more likely to become life-time customers. While we had calls to action in the old design to add funds we didn’t clearly explain the benefits a customer would receive when they banked with ONE.









The State of Widgets
The dashboard was made of widgets, and we called it “stateful” because depending on what state a customer was in with their experience with ONE those widgets and dashboard would be tailored specifically to them.
The State of Widgets
The dashboard was made of widgets, and we called it “stateful” because depending on what state a customer was in with their experience with ONE those widgets and dashboard would be tailored specifically to them.
The State of Widgets
The dashboard was made of widgets, and we called it “stateful” because depending on what state a customer was in with their experience with ONE those widgets and dashboard would be tailored specifically to them.



The Credit First Customer
Some of ONE’s best product offerings were it’s credit products. “Credit Line” was a direct line of credit to spend freely from your bank at an industry leading low interest rate of 12%. All other competitors that offered lines of credit charged 29% interest. The amount of credit available to a customer varied on their monthly income and if there account was enrolled in direct deposit. For customers that didn’t get their direct deposit with ONE we offered “Overdraft Protection” which was a smaller line of credit that would kick in a purchase brought your account below $0.
The Credit First Customer
Some of ONE’s best product offerings were it’s credit products. “Credit Line” was a direct line of credit to spend freely from your bank at an industry leading low interest rate of 12%. All other competitors that offered lines of credit charged 29% interest. The amount of credit available to a customer varied on their monthly income and if there account was enrolled in direct deposit. For customers that didn’t get their direct deposit with ONE we offered “Overdraft Protection” which was a smaller line of credit that would kick in a purchase brought your account below $0.
The Credit First Customer
Some of ONE’s best product offerings were it’s credit products. “Credit Line” was a direct line of credit to spend freely from your bank at an industry leading low interest rate of 12%. All other competitors that offered lines of credit charged 29% interest. The amount of credit available to a customer varied on their monthly income and if there account was enrolled in direct deposit. For customers that didn’t get their direct deposit with ONE we offered “Overdraft Protection” which was a smaller line of credit that would kick in a purchase brought your account below $0.









Initial Feature Widget
New users to ONE would see a call to action on their dashboard telling them about Credit Line.
Direct Deposit
If a user had set up their direct deposit we could give them an accurate estimate to how much credit they we’re eligible for if they were to add Credit Line.
Active Credit Line
When a user was using Credit Line the widget on their dashboard would update to show balance, due date, credit still available and where their auto-payment would draw from.
The Savers
If you didn’t sign up for a ONE account for the credit products then you with out question signed up for the high interest savings. ONE offered 3.00% APY at a time when no other banks did with out a significant catch. There were two saving centered products, Card Auto-Save, and Paycheck Auto-Save.Card Auto-Save would round your purchases up to the next dollar and deposit that change into a savings pocket earning 3.00% interest. Paycheck Auto-Save would automatically deposit a percentage that you chose from your paycheck every time you got paid into that same savings pocket to earn 3.00% interest.
The Savers
If you didn’t sign up for a ONE account for the credit products then you with out question signed up for the high interest savings. ONE offered 3.00% APY at a time when no other banks did with out a significant catch. There were two saving centered products, Card Auto-Save, and Paycheck Auto-Save.Card Auto-Save would round your purchases up to the next dollar and deposit that change into a savings pocket earning 3.00% interest. Paycheck Auto-Save would automatically deposit a percentage that you chose from your paycheck every time you got paid into that same savings pocket to earn 3.00% interest.
The Savers
If you didn’t sign up for a ONE account for the credit products then you with out question signed up for the high interest savings. ONE offered 3.00% APY at a time when no other banks did with out a significant catch. There were two saving centered products, Card Auto-Save, and Paycheck Auto-Save.Card Auto-Save would round your purchases up to the next dollar and deposit that change into a savings pocket earning 3.00% interest. Paycheck Auto-Save would automatically deposit a percentage that you chose from your paycheck every time you got paid into that same savings pocket to earn 3.00% interest.









Initial Card Auto-Save Widget
New users to ONE would see a call to action on their dashboard telling them about Card Auto-Save
Paycheck Auto-Save
If a user had not set up direct deposit they would see a widget telling them about paycheck Auto-Save
Active Auto-Save
An active Auto-save widget would show customers how much had been contributed from paycheck auto save as well as how many round ups as well.
Results: Acquired.
In January of 2022 ONE was acquired along with Even by Hazel, an independent fintech company in partnership with Walmart.
While Stateful Dashboard never publicly launched it was shown in great detail to Walmart & Hazel and was a major deciding factor that lead to the acquisition. The idea and concepts of the Stateful Dashboard would later resurface in the new ONE app, and be called "Balance".
Results: Acquired.
In January of 2022 ONE was acquired along with Even by Hazel, an independent fintech company in partnership with Walmart.
While Stateful Dashboard never publicly launched it was shown in great detail to Walmart & Hazel and was a major deciding factor that lead to the acquisition. The idea and concepts of the Stateful Dashboard would later resurface in the new ONE app, and be called "Balance".
Results: Acquired.
In January of 2022 ONE was acquired along with Even by Hazel, an independent fintech company in partnership with Walmart.
While Stateful Dashboard never publicly launched it was shown in great detail to Walmart & Hazel and was a major deciding factor that lead to the acquisition. The idea and concepts of the Stateful Dashboard would later resurface in the new ONE app, and be called "Balance".
The Squad
Adam Herling
Product Manager
Dan Loomis
Product Manager
Jessica Chui
Senior Product Designer
Meg Sloan
CMO
Brandon Tallent
Engineer Manager
Travis Barajas
Engineer Manager
Dan Spiteri
iOS Developer
David Zubal
Software Engineer
Roberto Enriquez
Android Engineer
Jesse Gatt
iOS Engineer
Brian Hamilton
CEO
and many more...
The Squad
Adam Herling
Product Manager
Dan Loomis
Product Manager
Jessica Chui
Senior Product Designer
Meg Sloan
CMO
Brandon Tallent
Engineer Manager
Travis Barajas
Engineer Manager
Dan Spiteri
iOS Developer
David Zubal
Software Engineer
Roberto Enriquez
Android Engineer
Jesse Gatt
iOS Engineer
Brian Hamilton
CEO
and many more...
The Squad
Adam Herling
Product Manager
Dan Loomis
Product Manager
Jessica Chui
Senior Product Designer
Meg Sloan
CMO
Brandon Tallent
Engineer Manager
Travis Barajas
Engineer Manager
Dan Spiteri
iOS Developer
David Zubal
Software Engineer
Roberto Enriquez
Android Engineer
Jesse Gatt
iOS Engineer
Brian Hamilton
CEO
and many more...