Designing a modular white-label SaaS platform for commercial banking
Designing a white-label SaaS platform that bridges legacy bank infrastructure with modern, modular tools for FX, Cash Flow, and Forecasting.
Engineering a scalable foundation for digital commercial banking.
I led the end-to-end product design for CoBa, a modular fintech engine designed to transition complex financial workflows into a white-label SaaS environment. As the sole designer, I architected the infrastructure for a core FX trading module and a foundation that supports Cash Flow, Forecasting, and accounting integrations. The platform was successfully deployed for a Tier 1 bank in the UK and is currently undergoing a pilot with a second Tier 1 institution in North America.
CoBa Technology
Responsive web app
Bridging the gap between legacy data and modern UX.
Problem
Most Tier 1 banks struggle with fragmented legacy systems and isolated data lakes, leading to long build cycles and outdated customer portals. CoBa was designed to act as a modern intermediary, plugging into a bank's existing APIs to transform disparate data into a cohesive, out-of-the-box digital experience for their commercial clients.
Objective
Design a high-performance, system-led banking engine that can:
- Be rapidly integrated and deployed across multiple institutions.
- Provide a flexible navigation and branding framework for white-label use.
- Allow banks to "plug in" specific financial tools as needed.
- Simplify complex financial data into actionable Cash Flow and Forecasting insights.
A variable-driven, modular financial ecosystem.
White-Label Infrastructure
I designed a highly flexible interface supporting both sidebar and top-navigation layouts to accommodate varied bank ecosystems. By leveraging a design system built on Figma variables and semantic groupings, the entire platform is engineered to be reskinned at the click of a button—allowing for instant changes to brand colours, typography, and component styling.
Advanced Financial Modules
While the architecture supports various modules, I focused on designing data-rich experiences for Cash Flow management and Forecasting. These tools allow users to synchronise real-time data from third-party accounting software to create predictive 2-year forecasts. I translated these complex datasets into aesthetic, chart-heavy dashboards that turn manual Excel processes into automated, visual workflows.
Dual-Sided Intelligence
The platform accounts for both commercial customers and bank employees. I designed a "Bank View" overlay that allows relationship managers to monitor their specific client patches and view real-time stats, enabling a more proactive and informed customer service experience.
A proven engine for international banking scale.
Tier 1 Launch
Successfully deployed and live with a major UK commercial bank.
100%
Modular flexibility supporting customisable SaaS subscription models.
Multi-platform sync
Integrated support for major accounting software providers (Xero, QuickBooks, Sage).
AA+
Compliance achieved through a standardised, high-performance component library.
“Liam helped us turn a complex technical platform into something banks could immediately understand and get behind.”Working across product, engineering, and commercial teams, Liam translated an ambitious technical vision into a practical, repeatable user experience. He balanced the needs of our early adopter banks with the realities of a lean startup, leaving us with a system that still feels robust and adaptable.
Senior stakeholder, CoBa Technology
Director, Product & Partnerships
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