Diletta Pay

One white-label banking platform behind 3 custom banks and 5 brands, from the admin system that helped N26 manage 4M users in Brazil to BRL 2 to 16M in daily transactions at Inovanti (now Humu).

Project context

Client: Diletta Solutions, a fintech scale-up building banking products for N26 Brazil, Inovanti Bank (now Humu), the coffee growers' cooperative Cocatrel and white-label brands.
Segment: FinTech · banking as a service and white-label embedded finance, with multi-brand theming.
Stage: A scale-up incubated at the Unicamp Science and Technology Park (Campinas, Brazil).
Business model: Two tracks: Diletta Pay On, custom banks built on demand and charged per project, and Diletta Pay Suite, a white-label platform with setup and per-account fees.
Target audience: Two sides: the companies that license the platform to launch their own digital bank, and the people and businesses that hold accounts in each brand.
Role and responsibilities: UX/UI Designer. Designed core banking flows, the admin system for N26's Brazilian app and the multi-brand design system, documented and managed on Material Design and validated through usability tests on Maze.
Team: A product owner, a squad lead, 5 UX/UI designers, a tech lead, a software engineer and 10 front-end developers.
Period: April 2021 to May 2022.

Challenge

Two ways of selling a bank, both expensive when every client starts from zero.

Diletta Pay On
Custom banks for clients with little in common. Every delivery was costly, which kept this track to a few large contracts.
Diletta Pay Suite
One platform had to serve brands from very different sectors, such as fuel distribution, real estate and an artist community, without a redesign for each contract.
Both tracks
Several banks in delivery at the same time, on iOS, Android and web, with one small design team.

Key actions

The admin system behind N26 Brazil
Designed the internal back office of N26's Brazilian banking app together with its CTO, product owner and squad.
Banking flows designed once, used twice
Digital account, TED, Pix, boletos, mobile top-up and statement, built as reusable flows shared by Inovanti Bank and Cocatrel Coffee Pay.
One account for the person and the farm
For Cocatrel's coffee growers, a flow to operate as an individual and as a farm business in the same account, with CPF or CNPJ.
A new client is a configuration
In Diletta Pay Suite, modules, features and flows structured so each new brand is set up, not designed again.
One token architecture, many brands
A single set of tokens across every client, where only global values such as color and typography change per brand.
A design system that kept pace
The Material Design system documented and managed to support simultaneous deliveries, with usability tests on Maze.

Impact

8: banks and brands launched from one product base: N26 Brazil, Inovanti Bank and Cocatrel Coffee Pay, plus Agilebank, BFPAY, Discovery Bank, Trybu Pay and Bold
4M: users managed in N26's Brazilian operation, in its first profitable year
BRL 2 to 16M: in daily transactions at Inovanti Bank (now Humu)
1/5: of the usual market time and cost to ship N26's Brazilian app, per Diletta Solutions