ELSE x Financial Services

Banking, Wealth Planning, Asset Management & DesignOps

Financial services

Since ELSE opened our doors in 2010, we’ve been at the forefront of change in the financial sector.

From launching new propositions to embedded DesignOps, we’ve worked on everything from mobile payments to wealth management, and we remain a trusted advisor to startups and large multinationals alike with UBS and T. Rowe Price listed amongst our longest clients.


Challenging the challenger banks

As challenger banks the Monzo, Revolut and Starling continue to gain traction in the mainstream, we take a look at the current opportunities in digital/everyday finance that are currently underserved.

Read the full article

Staying ahead

Launching new banking propositions

Democratising access the worlds largest wealth manager.

ELSE worked with the Zurich based, UBS Innovation team to create UBS SmartWealth, a digital-only wealth management service.

Smartwealth was designed to take on the emerging roboadvisor market while also opening the doors to a new audience for UBS, with an initial investment of only £15,000.

Using our Experience Accelerator™ approach, we helped UBS launch this new digital wealth management business in only 18-months.

Example of ELSE's work with UBS to improve financial customer experience
SmartWealth helped clients take responsibility for their future wealth through goal planning

Disrupting traditional banking

With competition rife and trust in financial institutions low in Russia, we worked in Bank24 and to create Zhuck – a new kind of online-only bank and coaching service, designed to help entrepreneurs take better control of their business finances.

Disrupting traditional banking
Zhuck coaches you on your finances, showing where improvements can be made

Redefining the experience of money

Long before challenger banks such as Starling and Monzo (Mondo anyone?) had emerged in the UK, ELSE worked with Russian telecoms trailblazer, Yota to conceive and develop a completely new branchless bank and payment service.

Called Round, the platform was designed to change people’s relationship with money and help them to take better control of their finances with message-based payments, 3D statements and smart budgeting and categorisation.

Redefining customer experience of money
Round helped people see their money in new ways using a 3Dimensional bank statement

Embedded teams

Design Ops

Increasing business value

Financial services companies readily understand the value of design in creating effective customer (and staff) experiences, so if you are looking to build or improve your internal design capabilities – we can help.

ELSE works within businesses to set-up better design practices, tools, workflows and design systems – which all ultimately deliver increased business value.

A Centre of Excellence for T. Rowe Price

ELSE have worked with asset manager, T. Rowe Price for 5 years and for all of that time we have had a team embedded as T.Rowe Price’s global design function.

We work very closely with senior stakeholders to help see through a design and technology transformation within the business and to bring strategy, UX and design capabilities into their team.

We work right across the digital estate on propositions facing institutional, intermediary and individual investors as well as helping T. Rowe Price sales associates become more effective by having the right access to critical sales and fund information.

Building a centre of excellence at T. Rowe Price

Launching SmartWealth with UBS

UBS Smartwealth is mentioned earlier, but as the proposition moved towards launch, ELSE stationed a team of creative leads, designers and Experience Architects at UBS’s UK head office, working closely with their internal teams to develop a groundbreaking new service from incubation to launch.

Launching UBS Smart Wealth


If you’d like to hear more, or discuss how we can help you, please get in touch.

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Case Studies

UBS Smartwealth

UBS Smartwealth

How do we engage a new breed of investors? How can the world’s largest wealth manager, traditionally the preserve of high net worth individuals, engage a new breed of investor? ELSE were tasked with helping the UBS innovation team outline and…

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Launching a new ubiquitous payment system We have worked with Vocalink over a four year period, initially helping them with the product design of their innovative new payment platform, that creates a seamless experience which, unlike all other mobile payment…

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Our perspectives

Future of finance (Part 2)

Future of finance (Part 2)

The second article in our two-part series on ‘How to challenge a challenger bank’, looking at the future of retail banking. Challenger banks are here to stay. Customer adoption is clear, with a few already becoming household names, placing them…

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