Argento Servizi · 2026
Nextgen Sme Primary Function: Esperienza di Onboarding Phygital del Cliente
- A' Design Award d'Argento 2026 in Servizi
- CLIENT: Akbank T.a.Ş
- Estimated Number of Design Views: 27,865
- Verification code 1F8DAD7DAB · Verify this award
Colors
About Nextgen Sme Primary Function: Esperienza di Onboarding Phygital del Cliente
Book Text: La digitalizzazione del cliente e i diversi prodotti sono integrati in un'unica piattaforma dall'Akbank Service Design Team con un approccio phygital per l'accesso al di fuori delle filiali. A differenza dei concorrenti, vengono offerti pacchetti multi-prodotto personalizzati in un unico flusso, attraverso il quale è possibile attivare digitalmente fino a 7 prodotti. La carta e la presenza fisica vengono eliminate grazie all'approvazione digitale del contratto, che viene introdotta come loro prima innovazione nell'utilizzo mobile. Viene adottato un modello di vendita basato sui premi al fine di aumentare sia la profondità della relazione con il cliente sia l'efficienza delle vendite.
About the A' Design Award d'Argento
Nextgen Sme Primary Function: Esperienza di Onboarding Phygital del Cliente ha vinto l'A' Design Award d'Argento, un riconoscimento enormemente prestigioso conferito a design di fascia alta, splendidi e impressionanti. I vincitori d'Argento sono opere tremendamente brillanti ed estremamente creative che illustrano l'eccezionale competenza, il talento e l'acume dei loro designer. Ci si aspetta che Nextgen Sme Primary Function: Esperienza di Onboarding Phygital del Cliente sia un'opera meravigliosa, una vetrina di eccellenza, notevolmente professionale e profondamente innovativa. Questo design vincitore dell'A' Design Award d'Argento è un'invenzione molto notevole e ammirata che giova ai confini dell'arte, della scienza, del design e della tecnologia e li fa avanzare. Nextgen Sme Primary Function: Esperienza di Onboarding Phygital del Cliente è una creazione molto invidiata che evoca desideri, porta sentimenti positivi e accende meraviglia e stupore.
Press Kit
- Unique Properties
- We integrate customer digitization and diverse products on one platform with a "phygital" approach for access outside branches. Unlike competitors, we offer personalized multi-product bundles in a single flow, enabling activation of up to 7 products digitally. Our "first point of mobile use" innovation eliminates paper and physical presence through digital contract approvals. We employ a reward-based sales model to increase both customer relationship depth and sales efficiency.
- Dimensions & Packaging
- Based on the insights we gained from the research, we prepared wireframes and prototypes, designed an end to end, simple, functional, sales-focused, and user-friendly interface that aligns with Akbank's design language. Also, we worked with the goal of an understandable and guiding language and established a tone of voice. The design turns complex multi-product banking processes into a streamlined, easy-to-use and coordinated experience.
- Tags
- #E2EZeroBasedDesign #E2EServiceAndExperienceDesign #HolisticSMEBanking #NextGenBankingSolution
- Production Technology
- The experience was shaped through research with approximately 300 SME customers and relationship managers, supported by more than 20 workshops and 3,000 feedback points. These insights showed that SMEs and RMs needed faster, clearer and more integrated onboarding and sales processes. The interface therefore uses guided flows, progressive disclosure and a clear visual hierarchy to support multi-product decisions within a single journey.
- Design Challenge
- The main challenge was simplifying complex and regulation-driven banking processes without losing trust or compliance. The service needed to balance automation with human support, while working consistently across branch, mobile, and out-of-branch contexts. Another challenge was ensuring adoption by both SMEs and relationship managers with different levels of digital maturity, while aligning multiple internal teams around a shared service vision.
- Research
- The research aimed to understand how SMEs and relationship managers experience onboarding and product sales in daily banking operations. The main goal was to reduce complexity while enabling faster and more confident decision-making. The study combined interviews, workshops, journey reviews, and feedback analysis with over 300 SME customers and relationship managers. The findings highlighted fragmented processes and high workload. These insights directly shaped a phygital service model that improved efficiency, clarity, and real business outcomes.
- Inspiration
- Our mission is to revolutionize SME banking by merging digital speed with human-centric service. SMEs face economic and bureaucratic challenges, so created a phygital ecosystem that integrates digitization and product diversity. By making banking a proactive partner, SMEs gain a competitive edge and lower costs through efficient, automated processes. Available on while our customers need us and providing solutions with paperless, automated flows with E2E digital integrated solutions.
- Project Duration
- The design of project started in February 2023 and finished in August 2023 in Turkey, and was realised in January 2025.
- Patents
- Copyrights belong to Akbank T.A.Ş, 2026.
- Image Credits
- Image #1: Illustrator, Akbank Design Studio, 2026.
Image #2: Illustrator, Akbank Design Studio, 2026.
Image #3: Illustrator, Akbank Design Studio, 2026.
Image #4: Illustrator, Akbank Design Studio, 2026.
