MoneyLock
An anti-scam security feature for SC Mobile, Standard Chartered Singapore
An anti-scam security feature for
SC Mobile, Standard Chartered Singapore
Release Date
2024
Client
STANDARD CHARTERED BANK
STANDARD
CHARTERED BANK
Role
Sole Lead Designer
sole LEad Designer
Product Duration
5 - 6 MONTHS
release date
2024
Client
Photography
role
sole LEad Designer
Product Duration
5 - 6 MONTHS
When a scammer has your password, the bank's last defence is reaction speed. MoneyLock changes that: customers ring-fence their savings so the money cannot be moved digitally, even with stolen credentials.
I designed it end to end and shipped within the timeline set by the Monetary Authority of Singapore (MAS).
When a scammer has your password, the bank's last defence is reaction speed. MoneyLock changes that:
customers ring-fence their savings so the money cannot be moved digitally, even with stolen credentials.
I designed it end to end and shipped within the timeline set by the Monetary Authority of Singapore (MAS).
When a scammer has your password, the bank's last defence is reaction speed. MoneyLock changes that: customers ring-fence their savings
so the money cannot be moved digitally, even with stolen credentials.
I designed it end to end and shipped within the timeline set by the Monetary Authority of Singapore (MAS).
When a scammer has your password, the bank's last defence is reaction speed. MoneyLock changes that: customers ring-fence their savings so the money cannot be moved digitally, even with stolen credentials. I designed it end to end and shipped within the timeline set by the Monetary Authority of Singapore (MAS).
Jul 2024
Jul
2024
Launched on SC Mobile,
within the MAS industry timeline.
Launched on SC
Mobile, within the MAS industry timeline.
Launched on
SC Mobile,
within the MAS industry timeline.
S$15.8 billion
Locked across seven banks by Oct 2024, up 76% from launch month.
Locked across seven banks
by Oct 2024, up 76%
from launch month.
Zero Scams
Zero
Scams
Phishing or malware losses on locked funds, as of March 2024.
Phishing or malware
losses on locked funds,
as of March 2024.
Phishing or malware
losses on locked funds, as of
March 2024.
Security that works too
smoothly fails its users.
This is friction on purpose.
Security that works too smoothly fails its users. This is friction on purpose.
Security that works too smoothly fails its users. This is friction on purpose.
Disclaimer: Some details are omitted or generalised to respect confidentiality
obligations to Standard Chartered Bank. All views are my own.
Disclaimer: Some details are omitted or generalised to respect confidentiality
obligations to Standard Chartered Bank.
All views are my own.
01
//Context
MoneyLock
//Context
MoneyLock
01
//Context
MoneyLock
Scams were outpacing the safeguards
Scams were outpacing the safeguards
Scams were outpacing
the safeguards
Scams were rising sharply in Singapore, and Standard Chartered needed a security tool customers could act on themselves. The challenge was human as much as technical: designing for fear, for trust, and for moments of real vulnerability.
Scams were rising sharply in Singapore, and Standard Chartered needed
a security tool customers could act on themselves. The challenge was human as much as technical: designing for fear, for trust, and for moments
of real vulnerability.
02
//The Problem
MoneyLock
//The Problem
MoneyLock
02
//The Problem
MoneyLock
PROTECTION AFTER THE SCAM ISN'T PROTECTION
PROTECTION AFTER THE SCAM ISN'T PROTECTION
PROTECTION AFTER THE SCAM
ISN'T PROTECTION
Scam victims rarely lose money through carelessness. By the time anything feels wrong, it is already too late,
and every existing safeguard was reactive: fraud alerts, account freezes, support lines.
Scam victims rarely lose money through carelessness. By the time anything feels wrong, it is already too late, and every existing safeguard was reactive: fraud alerts, account freezes, support lines.
How do we give customers
real control, without making security feel like alarm?
How do we give customers
real control, without making security feel
like alarm?
How do we give customers real control, without making security feel like alarm?
The quieter tension: a security feature inside a banking app can signal danger
where customers felt safe. It had to feel empowering, not alarming.
The quieter tension: a security feature inside a banking app can signal danger
where customers felt safe. It had to
feel empowering, not alarming.
The quieter tension: a security feature inside a banking app can signal danger where customers felt safe. It had to feel empowering, not alarming.
Instagram-inspired story onboarding walking customers through Money Lock's benefits.
We shipped a simpler version instead: tapping Money Lock in the quick links opens the public webpage in-app.
Instagram-inspired story onboarding walking customers
through Money Lock's benefits. We shipped a simpler version instead: tapping Money Lock in the quick links opens
the public webpage in-app.
03
//Process
MoneyLock
//Process
MoneyLock
03
//Process
MoneyLock
THE MARKET BECAME OUR RESEARCH
THE MARKET BECAME
OUR RESEARCH
THE MARKET BECAME
OUR RESEARCH
MoneyLock came from an industry push, not internal discovery. After Singapore's local banks launched Money Lock in November 2023, the Monetary Authority of Singapore (MAS) expected every major retail bank to follow by mid-2024. The why was decided. Our job was the how.
DBS, OCBC and UOB had launched ahead of us, so the market became our research: I analysed how each bank introduced the feature, structured setup, handled the locked state and approached unlock.
The unlock flow carried the most risk, so it got the closest scrutiny. From there, wireframes and flows shaped a journey native to SC Mobile.
MoneyLock came from an industry push, not internal discovery. After Singapore's local banks launched Money Lock in November 2023, the Monetary Authority of Singapore (MAS) expected every major retail bank to follow by mid-2024. The why was decided. Our job was the how.
DBS, OCBC and UOB had launched ahead of us, so the market became our research: I analysed how each bank introduced the feature, structured setup, handled the locked state and approached unlock.
The unlock flow carried the most risk, so it got the closest scrutiny. From there, wireframes and flows shaped
a journey native to SC Mobile.
MoneyLock came from an industry push, not internal discovery. After Singapore's local banks launched Money Lock in November 2023, the Monetary Authority of Singapore (MAS) expected every major retail bank to follow by mid-2024. The why was decided. Our job was the how.
DBS, OCBC and UOB had launched ahead of us, so the market became our research:
I analysed how each bank introduced the feature, structured setup, handled the locked state and approached unlock.
The unlock flow carried the most risk,
so it got the closest scrutiny. From there, wireframes and flows shaped a journey native to SC Mobile.
Competitive analysis across three banks that launched MoneyLock ahead of us.
Competitive analysis across three banks that launched MoneyLock ahead of us.
Competitive analysis across three banks
that launched MoneyLock ahead of us.
Competitive analysis across three banks that launched MoneyLock ahead of us.
04
//My Role
MoneyLock
04
//My Role
MoneyLock
SOLE DESIGNER, START TO FINISH
As the sole designer, I owned MoneyLock from early discovery to dev handoff and QA: the full journey, from finding the feature to managing locked funds day to day, turned into an interface everyday customers could trust. Throughout, I worked with product, compliance and engineering, keeping the build true to the design.
//My Role
MoneyLock
SOLE DESIGNER,
START TO FINISH
As the sole designer, I owned MoneyLock from early discovery to dev handoff and QA: the full journey, from finding the feature to managing locked funds day to day, turned into an interface everyday customers could trust. Throughout, I worked with product, compliance and engineering, keeping the build true to the design.
The end-to-end journey, from discovery to everyday use, shown on a savings account.
The end-to-end journey, from discovery to everyday use, shown on a savings account.
The end-to-end journey, from discovery to
everyday use, shown on a savings account.
The end-to-end journey, from discovery to everyday use, shown on a savings account.
05
//The Design
MoneyLock
//The Design
MoneyLock
05
//The Design
MoneyLock
Three key moments to get it right
Three key moments
to get it right
Setup:
Lean Journey
Setup: Lean Journey
Tap Money Lock and the bank's webpage opens in-app,
so education lives in one place. The native flow stays lean: pick an account, set the amount, submit.
Tap Money Lock and the
bank's webpage opens in-app, so education lives in one place. The native flow stays lean:
pick an account, set the amount, submit.
Locked State:
Quiet Confidence
Locked State: Quiet Confidence
A persistent indicator shows
funds are ring-fenced without dominating the everyday view. Locked money stays visible,
earns interest, accepts deposits. Quiet confidence, not alarm.
A persistent indicator shows
funds are ring-fenced without dominating the everyday view. Locked money stays visible, earns interest, accepts deposits. Quiet confidence,
not alarm.
A persistent indicator shows funds are ring-fenced without dominating the everyday view. Locked money stays visible, earns interest, accepts deposits. Quiet confidence, not alarm.
Unlock:
Purposeful Friction
Unlock:
Purposeful Friction
Unlock: Purposeful Friction
Unlocking needs a branch visit,
the strongest friction of the three. That pause is the point: scammers push victims to act fast, and
a barrier buys time to think.
Unlocking needs a branch visit, the strongest friction of the three. That pause is the point: scammers push victims to act fast, and a barrier buys
time to think.
Unlocking needs a branch visit, the strongest friction of
the three. That pause is the point: scammers push
victims to act fast, and a barrier buys time to think.
Setup:
Lean Journey
Tap Money Lock and the bank's webpage opens in-app, so education lives in one place. The native flow stays lean: pick an account, set the amount, submit.
Locked State:
Quiet Confidence
A persistent indicator shows funds are ring-fenced without dominating the everyday view. Locked money stays visible,
earns interest, accepts deposits.
Quiet confidence, not alarm.
Unlock:
Purposeful Friction
Unlocking needs a branch visit,
the strongest friction of the three. That pause is the point: scammers push victims to act fast, and a barrier buys time to think.
06
//Outcome
MoneyLock
//Outcome
MoneyLock
06
//Outcome
MoneyLock
The quiet success of money that didn't move
The quiet success of money that didn't move
The quiet success of money
that didn't move
MoneyLock launched in July 2024 on SC Mobile, within the MAS timeline. The concept was already proven: by March 2024, DBS, OCBC and UOB customers had locked more than S$6.6 billion, with zero reported phishing or malware losses on locked funds.
The market kept validating it. By end October 2024, more than 181,000 customers across seven banks, Standard Chartered included, had locked close to S$15.8 billion, up 76 percent from July. The bank does not publish feature-level figures, but being part of that shift was the goal.
What stays with me is that emotional register matters: every word carried weight, because we were designing for real vulnerability. If I revisited it, I would surface MoneyLock proactively, perhaps after a first large deposit. Adoption only matters if the people who need it most actually find it.
MoneyLock launched in July 2024 on
SC Mobile, within the MAS timeline. The concept was already proven: by March 2024, DBS, OCBC and UOB customers had locked more than S$6.6 billion, with zero reported phishing or malware losses on locked funds.
The market kept validating it. By end October 2024, more than 181,000 customers across seven banks, Standard Chartered included, had locked close to
S$15.8 billion, up 76 percent from July. The bank does not publish feature-level figures, but being part of that shift was the goal.
What stays with me is that emotional register matters: every word carried weight, because we were designing for real vulnerability. If I revisited it, I would surface MoneyLock proactively, perhaps after a first large deposit. Adoption only matters if the people who need it most actually find it.
MoneyLock launched in July 2024 on SC Mobile, within the MAS timeline.
The concept was already proven: by March 2024, DBS, OCBC and UOB customers had locked more than S$6.6 billion, with zero reported phishing
or malware losses on locked funds.
The market kept validating it. By end October 2024, more than 181,000 customers across seven banks, Standard Chartered included, had locked close to S$15.8 billion, up 76 percent from July. The bank does not publish
feature-level figures, but being part of that shift was the goal.
What stays with me is that emotional register matters: every word carried weight, because we were designing for real vulnerability. If I revisited it,
I would surface MoneyLock proactively, perhaps after a first large deposit.
Adoption only matters if the people who need it most actually find it.
CNA news coverage on Money Lock adoption across seven banks in Singapore. Source: Channel NewsAsia
CNA news coverage on Money Lock adoption
across seven banks in Singapore.
More Works More Works
Let'S WORK
TOGETHER
OPEN TO SENIOR EXPERIENCE DESIGNER ROLES AND
FREELANCE UI/UX AND LOGO DESIGN PROJECTS.
Let'S WORK
TOGETHER
OPEN TO SENIOR EXPERIENCE DESIGNER ROLES AND
FREELANCE UI/UX AND LOGO DESIGN PROJECTS.
Let'S WORK
TOGETHER
OPEN TO SENIOR EXPERIENCE DESIGNER
ROLES AND FREELANCE UI/UX AND LOGO
DESIGN PROJECTS.
Let'S WORK
TOGETHER
OPEN TO SENIOR EXPERIENCE DESIGNER
ROLES AND FREELANCE UI/UX AND
LOGO DESIGN PROJECTS.
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