From concept to £1B+ in trades: designing Lloyds' MVP
Designing a digital-first FX trading experience to replace high-friction manual booking and legacy portals for the largest SME business bank in the UK.
Delivering a high-performance banking MVP in six months.
I led the design of a commercial banking MVP for Lloyds Banking Group, transitioning SME customers from legacy workflows into a modern SaaS environment. As the sole designer, I architected the end-to-end strategy for a core FX trading module and a foundation that now supports Cash Flow, Forecasting, and accounting integrations. The platform was designed and shipped in less than six months and remains the bank's leading digital channel for its commercial division.
Lloyds Bank Group
Responsive web app
High-friction workflows and costly trade reversals.
Problem
Lloyds was losing market share to fintechs offering smoother, digital-first FX experiences. SME customers were forced to navigate fragmented legacy portals with poor UX, causing many to resort to manual phone-in trades. This disconnected workflow created friction around pricing and execution, whilst the bank's reliance on manual bookings led to slow fulfilment and expensive trade reversals.
Objective
Launch a high-performance FX trading platform MVP within 6 months to:
- Protect market share by competing with digital brokers.
- Remove friction for SMEs making time-sensitive trades.
- Reduce overhead by eliminating manual trade errors.
- Ensure AA+ accessibility and scalable architecture.
A lean, FX banking MVP built for trust.
Precision Trade Execution
An FX trade module and 2-step trade flow with real-time rates and digital confirmations to eliminate manual booking errors and pricing uncertainty.
Customisable Dashboard
A platform landing screen providing an immediate snapshot of currency positions and recent multi-user activity via customisable widgets, fully editable.
Mobile-Responsive Trading
Optimised layouts for secure, on-the-go execution, ensuring treasurers can manage exposure without being tethered to a desktop.
From concept to go-live, in just 6 months.
£1B+
Trade flow for a tier 1 bank within 18 months
~20%
Uplift in FX trading volume vs legacy process
~15%
Increase in new commercial clients
15,000+
Staff hours automated from manual tasks
“Liam was core to the delivery. I highly recommend him for any senior design role.”Liam brought clarity to a complex mix of detailed regulatory requirements and senior-leader ideas, and translated them into a simple, consistent, and scalable client experience. He worked as the solo designer at pace, demonstrated strong design judgement, and collaborated closely with the bank's internal teams to meet precise brand and compliance standards. The results were excellent. Both clients and internal teams consistently praised the platform's design, and it continues to develop on the foundations he set.
Danny Hill
Director, Lloyds Banking Group
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