While consumers migrate to mobile-only experiences in everything they do, the banking industry has lagged behind. The opportunity was to create an entirely new mobile-only bank that empowers millennials and seamlessly integrates into their lifestyles. We did this by reimagining the banking experience for the digital age, putting design at the core of every decision, and using the newest technology to enable a proactive relationship and innovative features that have never been delivered by any competitor. Designed around the “Make It Happen” brand idea, ‘next’ offers a mobile banking experience that helps customers do more with their money and achieve more in their lives. It’s a full banking service that’s customer centric, using data and context to inform better individual financial decisions.

Available for iOS and Android, ‘next’ is Bradesco’s new financial platform offering products, services, smart budgeting tools, customized graphics, and personalized experiences targeted to young customers under the “Make It Happen” concept. Our goal was to create a digital banking experience that helps customers unleash their full financial potential. Over the 2-year building journey, our teams collaborated with client teams in an agile model to craft a full-service banking ecosystem. The platform is powered by machine learning systems and powerful algorithms to deliver a proactive experience that evolves with every interaction. By understanding and learning individual financial habits, ‘next’ can predict future states and deliver a customized experience that guides customers to make better daily financial decisions. Because the brand would live primarily behind interfaces, we designed an identity that can be touched and experienced, that is responsive and functional. The logo itself becomes a simple and instant visualization of the customer’s financial health, helping to track progress against goals. We expanded this identity to create a natural, fun, energetic, and intuitive design system that feels rare among banking apps. The distinctive brand language, so embedded into the experience, feels familiar after just a few interactions. Every user journey happens through the integration of technology, data intelligence, and design. The full ecosystem touches the customer with a consistent purpose, consistent branding, and a consistent experience at every touchpoint: apps and services, customer service (powered by IBM Watson), ATMs (60,000 units), partnerships, notifications, activations, connected physical spaces, storytelling, social media, website, and CRM programs.

The ‘next’ platform is a great success. Acquisition: 1.3mm downloads; 94% within target (high-income millennials); 75% new to Bradesco; 557,000 are in the approval phase (increasing conversion at a fast pace); 129,000 active clients (growing 40% per month). Engagement: 1.7mm transactions in March 2018 (growing 70% per month—75% faster than customer base); 20 monthly transactions per customer (doubled in Q1 2018); only 2% of inactivity (market average is 24%); 30% of active customers invested through “objectives” (99% growth in Q1 2018); 34% of the credit offered is being used (above market average); 45% of customers are already recurrent users of 63 partners’ exclusive offers (including offers from Uber, Apple, iFood, Airbnb, Cinemark, and Xbox). Bradesco customers who also create a ‘next’ account become 30% more profitable on our platform.