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AU 0101 Business App

The AU 0101 Business App is the all-in-one banking and business solution, designed for both small and large businesses. Helps business owner to streamline operations with powerful business tools like QR Collection, Staff Management, invoicing, and payment links. Simultaneously, manage all core banking needs—from accounts, loans, and service requests to UPI, BBPS, and TAX & GST payments

AU 0101 Business Mobile Banking App - Gateway to Business Banking Services

My Role

In March 2022, I joined as the first designer for the Commercial Digital Banking Team at AU Bank, a newly formed unit within the IT & Product Department. I oversaw mobile & web information architecture, scalability, design systems, interaction designs, and building design vision for AU 1010 Business mobile and web application.

Few projects that I am particularly proud of are - Merchant Design System, Bank Transfer, QR Collection, Statements, BBPS and Internal Platform

In March 2022, I joined as the first designer for the Commercial Digital Banking Team at AU Bank, a newly formed unit within the IT & Product Department. I oversaw mobile & web information architecture, scalability, systems, interaction designs, and building design vision for AU 1010 Business.

Few projects that I am particularly proud of are - Merchant Design System, Bank Tranfer, QR Collection, Statements

In March 2022, I joined as the first designer for the Commercial Digital Banking Team at AU Bank, a newly formed unit within the IT & Product Department. I oversaw mobile & web information architecture, scalability, systems, interaction designs, and building design vision for AU 1010 Business.

Few projects that I am particularly proud of are - Merchant Design System, Bank Tranfer, QR Collection, Statements

Why was this required?

In 2022, business owners were stuck using multiple apps to manage their company. Fintech apps (Razoray, OpenMoney) were good for payments but lacked full banking features, while bank apps (ICICI insta biz) had all the features but were too complicated to use. This created a lot of inefficiency.

A 2022 report from McKinsey highlighted that about 70% of India's 70 million small businesses were still not using modern digital tools.

We saw a clear need for a single, easy-to-use app that brought banking and business management tools together in one place.

In March 2022, I joined as the first designer for the Commercial Digital Banking Team at AU Bank, a newly formed unit within the IT & Product Department. I oversaw mobile & web information architecture, scalability, systems, interaction designs, and building design vision for AU 1010 Business.

Few projects that I am particularly proud of are - Merchant Design System, Bank Tranfer, QR Collection, Statements

In 2022, business owners were stuck using multiple apps to manage their company. Fintech apps (Razoray, OpenMoney) were good for payments but lacked full banking features, while bank apps (ICICI insta biz) had all the features but were too complicated to use. This created a lot of inefficiency.

UX Reserach Report

UX Reserach Report

UX Reserach Report

Enabling Discovery- Navigation & IA

With over 100 features planned for the app, our primary challenge was creating a simple and intuitive navigation system. To solve this, we started by analyzing user behavior on our existing platforms—the AU QR App and the AU 0101 Retail App.

The data revealed a clear pattern: business owners logged into the QR app multiple times a day to monitor incoming payments, but accessed core banking features only a few times a week.

This key insight led to two foundational decisions for the app's structure:

  1. Separate "Business" and "Banking": We split the app's features into two distinct categories. Business would house all high-frequency, daily management tools (like checking sales and raising invoices). Banking would contain less frequent financial tasks (like paying vendors or managing loans), recognizing that users rarely need both at the same time.

  2. Prioritize the "Business" Section: We designed the navigation to make the Business section the most prominent and easiest to access. Since users need to monitor their daily operations constantly, this ensures the app immediately addresses their most frequent needs.

In March 2022, I joined as the first designer for the Commercial Digital Banking Team at AU Bank, a newly formed unit within the IT & Product Department. I oversaw mobile & web information architecture, scalability, systems, interaction designs, and building design vision for AU 1010 Business.

Few projects that I am particularly proud of are - Merchant Design System, Bank Tranfer, QR Collection, Statements

In March 2022, I joined as the first designer for the Commercial Digital Banking Team at AU Bank, a newly formed unit within the IT & Product Department. I oversaw mobile & web information architecture, scalability, systems, interaction designs, and building design vision for AU 1010 Business.

Few projects that I am particularly proud of are - Merchant Design System, Bank Tranfer, QR Collection, Statements

Simplifying Tasks with Progressive Disclosure

Traditional banking apps have a reputation for being cluttered and confusing. For a busy business owner, who is already juggling with at their office or shop, these high cognitive load interfaces add unnecessary stress. We want to change the status quo and create an experience that provides a sense of calm and control.

To achieve this, we embraced the principle of progressive disclosure. Instead of showing everything at once, we designed every task to be a simple, linear journey. This approach breaks down complex tasks into small, manageable steps, guiding the user forward without overwhelming them.

Tranfsering a money to another account

Creating a Staff (Sub Merchant)

Raising a service request of cheque pickup

Simplified & Quick Transfer Experience

Traditional account transfers are complex, often requiring 6-7 fields. This complexity pushes users to simpler options like UPI. Our goal was clear: How might we make account transfers as quick and easy as UPI?

Our research uncovered three key insights to achieve this:

  • Instant Name Verification: By using just the account number and IFSC, we could instantly show the recipient's verified name. This builds user confidence and reduces errors.

  • A Modern API: We discovered the IMPS 3.5 API could provide this instant name verification seamlessly, creating a better technical foundation for the new flow.

  • Eliminating the IFSC Code: For the top 16 Indian banks, we found a universal IFSC code could be used, which allowed us to completely remove the IFSC entry step for most users.

Tranfsering a money to another account

STATUS

Beta Launched May 2024 for existing QR, Individual and Sole Prop. users with 100k+ download.

Next milestone is launching for corporate users in Q1 2026

KEY METRICS

Metrics such as Average Session Time, Time Spent DAUs (Daily Active Users), and MAUs (Monthly Active Users) are kept confidential.

To give an idea of adoption of AU 0101 Business app, metrics like DAUs, MAUs