Fintech · Product Design
Greyharbor Business Banking
Turning a fog of spreadsheets into a cash-flow command centre for 40,000 small businesses.
- Greyharbor Bank
- Allied House
- Lead Product Designer
- Role
- 2026
- Year
- 7 months
- Campaign
Chapter I · Context
The Realm
Greyharbor is a challenger bank serving small businesses along the coasts of Scotland and the north of England. Its customers loved the low fees but dreaded the dashboard, a maze of tables that answered every question except the one that mattered: will we make payroll this month?
Chapter II · Challenge
The Threat
Owners were exporting their data to spreadsheets just to understand their own cash flow. Support tickets about missing payments had doubled in a year, and the mobile app sat at 2.9 stars. The board wanted the redesign live before the busy end-of-year season, without disrupting 40,000 active accounts.
Chapter III · Approach
The Strategy
I spent the first three weeks in bakeries, garages and studios, watching owners do their banking. From those visits came one idea: a single forecast line that shows money coming in and going out over the next 60 days. I designed the new dashboard around it, prototyped it in code so we could test with real account data, and rolled it out to five percent of customers at a time.
Chapter IV · Outcome
The Victory
The forecast became the most used screen in the product within a month. Owners now see a cash crunch weeks before it arrives, and the support team spends its time giving advice instead of explaining transactions.