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Driving growth and innovation at ADIB

I led the Personal Finance, Takaful Insurance, Children accounts and Design System value streams, focused on enhancing existing and new customer journeys to improve usability and drive business growth.

Project
Takaful Insurance
Role
Senior product designer
Industry
Banking / Insurance

Challenge

Customers seeking Takaful (Islamic insurance) products faced a lack of accessible and streamlined journeys, hindering their ability to secure essential coverage for various needs such as health, education, and vehicles.

Results

Designed comprehensive journeys enabling customers to easily access and take out Takaful products. This included Card Takaful, Male/Female Takaful, School Fee Takaful, Personal Accident Takaful, Motor Takaful, Home content Takaful and Personal Finance Takaful, providing a seamless and customer-centric experience.

Total sales increase
650%
New products
8
Reduction in operational workload
65%
A fan of five ADIB Visa cards, including Exceed, Cashback and Signature.
The Takaful section of the ADIB app, listing Covered Cards, Motor and Personal Accident Takaful, each with a short description and a Learn more button.
The Covered Cards Takaful detail screen, explaining how the benefit protects card payments against unforeseen events.

The real problem wasn't one journey. It was eight.

Rather than design each Takaful product from scratch, I partnered closely with the business and product teams to shape one journey pattern, built around the commercial goals, and productised it across every insurance type. One system, eight products, a fraction of the effort to ship and maintain each one. Of course, as always, with the best user experience in mind.

My process

  1. Understand

    I started by listening. User interviews surfaced where people were getting stuck, and Firebase analytics showed exactly where they dropped out. Studying how others in the market approached insurance gave me a benchmark for what good looked like.

  2. Systematise and validate

    Instead of designing eight journeys, I designed one and made sure it worked. Once the pattern held up in usability testing, each product became a case of tailoring it rather than starting over, with feedback shaping the pattern at every step.

  3. Ship and optimise

    I stayed close to the build, handing over design tokens, running design and dev reviews, and joining every agile ceremony. After launch I kept watching the real numbers, the drop-offs, the success rates, the integration failures, and kept refining the journeys as usage came in.

A summary of the Covered Cards Takaful usability testing, held at ADIB HQ on 18 to 19 June 2024 with 10 customers, 6 male and 4 female, across 3 nationalities, averaging a rating of 5.

Customer feedback.

A participant wearing a light headscarf
The process was very straight forward, I could complete the entire process in just a few clicks.
A participant in a keffiyeh, giving a thumbs up
I found the journey intuitive, and the payment step was seamless. Everything was clear, and I felt confident making the purchase.
A participant with glasses and a beard
The feature is awesome, I would love to add this Takaful when I got my card.
A participant wearing a dark headscarf
The experience was smooth from start to finish. I appreciated how easy it was to review the policy details before confirming my purchase.
A participant with short dark hair
The design is clean, and I liked that I could complete the process in just a few steps.
A participant in a keffiyeh
The interface was simple, The only thing I would suggest is having an option to download the policy document immediately after payment instead of waiting for an email.
A participant wearing a pale headscarf
I found the journey very user-friendly, and everything worked smoothly. A minor improvement could be making the key benefits more prominent in the plan selection screen.

Conclusion

Before this, there was no proper digital way to take out Takaful, just a broken web flow. I built the in-app experience from scratch and turned it into a system: eight products from a single journey pattern, sales up 650%, and operational workload down 65%. For the first time, customers had a simple, consistent way to get the cover they needed.