N26 Bank

N26 Platform Migration

As Experience Design Director, I guided the multi-year redesign of Schwabs Retirement digital ecosystem (web + native app), spanning onboarding, rollover, client dashboards, plan sponsor software, and advisor tools.

Scope of work

App Design

Desktop SaaS Design

Concept Strategy

6 mo migration our entire userbase

96.1% customer retention — beating expectations by 21%

170,000 accounts migrated seamlessly

German SEC Deadline -> Mitigated company shut down

Role

Lead Product Designer

Date

2017

Team

104+ Team members

Product Owner, CEO, CFO, Director Legal, Engineering Team, Every Single Customer Success employee

Problem

N26 secured a European banking license, requiring the migration of ~170,000 customers to a new banking infrastructure in under two months. The challenge was unprecedented: -> Customers needed to transfer their money and accounts with absolute trust. -> The migration spanned app, web, customer support, and marketing channels. -> Internal teams lacked direction after a product manager’s departure, leaving design to help drive clarity, alignment, and execution. -> A misstep could have meant massive customer churn and reputational damage at a pivotal growth stage.

The Approach

When I joined N26, there was no structured UX research or testing process in place. Product decisions were being made without validation, slowing teams down and creating risk in a regulated, high-growth environment. My Approach -> Identified gaps in decision-making and created the company’s first UX Research Lab. -> Built a scalable process and documentation for testing across flows, usability, and product needs. -> Introduced multiple methods: in-house usability labs, remote testing, guerrilla testing, and needs-based product research. -> Secured stakeholder buy-in across product, engineering, and operations to integrate testing into agile cycles. Trained designers and cross-functional partners in running effective tests, prioritizing hypotheses, and synthesizing actionable insights.

6 mo migration our entire userbase

96.1% customer retention — beating expectations by 21%

96.1% customer retention — beating expectations by 21%

170,000 accounts migrated seamlessly

170,000 accounts migrated seamlessly

German SEC Deadline -> Mitigated company shut down

German SEC Deadline -> Mitigated company shut down

Outcomes

In 2 years LAUNCHEd

Redesigned and launched at least 1st phase of 6 interconnected experiences:

1. Enrollment & Onboarding
2. Rollover
3. Client Logged-in Experience
4. Record Keeping backend
5. Plan Sponsor Experience
6. Advisor Experience

BUILT PROCESS & CULTURE

01/ Created UX Bootcamps to educate Product and Engineering, which built empathy and shared practices.

02/ Developed a UX-QA process inside Agile, increasing efficiency and trust by 200%.

03/ Raised design maturity on team. Coached designers on workshop facilitation and alignment practices.

INCREASE FUNNEL & RETENTION

01/ Secured deals worth $300M with Airline and Healthcare companies because of work.

02/ Increased funnel conversion through rollovers and easier onboarding. Combined $29M AUM and 12,000 clients impacted first year.

03/ Customer satisfaction increased with combined app and easier to understand data, architecture and design.

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® Elysia Garbade Design 2025
® Elysia Garbade Design 2025
® Elysia Garbade Design 2025