OverviewOverview
ResearchResearch
IdeateIdeate
DesignDesign
ResultResult
Website   |   MPF (Pension fund) Platform Redesign
Hong Kong
Project Overview
01
Background
The Mandatory Provident Fund (MPF) is a compulsory retirement savings scheme for Hong Kong residents. As a leading MPF service provider, Hang Seng Bank recognized the need to modernize its digital experience.

In late 2021, the bank set out to launch an enhanced MPF management platform to replace a legacy system that had been active for over eight years. With outdated features and performance metrics lagging behind key competitors, the primary goal of this project was to completely redesign the platform and deliver a modern, competitive user experience.
My Role
Research & Analysis
Ideation & Wireframes
UI Design & Prototyping
Project Goals
02
1
Introduce a Comprehensive Dashboard to improve fund visibility
2
Optimize the UX and user journey for changing investment instructions
3
Revamp the UI to align with the latest digital design style
Problems Discovery
03
Current Design Problems
We analysed the current design to figure out all the existing problems.
Complex User Interfaces, hard to understand the tables and charts
Font size is too small and bad typography hierarchy
Complicated flow to change investment instructions
Lack of instructions or explanations for some of the specific actions or terms
Users Survey
A users survey was conducted before the start of this project, here are some insights from the survey :
3 / 10
3 / 10 is the scores of respondents rate the current platform
70%
70% of respondents said they had difficulties in using current platform
46%
46% of respondents said they were able to complete what they came to
2 / 10
2 / 10 is the scores of respondents think how possible they will recommend this platform to others
Competitor Analysis
To better understand current market trends and establish industry benchmarks, we conducted a targeted competitive analysis.
Direct Competitors
Pros
Cons
Extensive Feature Integration, allowing users to view MPF funds alongside their personal insurance and health policies in one centralized place.
Poor Portfolio Visibility, we found it difficult to locate straightforward monthly MPF summaries or clearly view their asset balances.
Cluttered, Unfocused Interface, MPF, insurance claims, and health rewards to share the same navigation resulted in an overwhelming and dense layout
Direct Access to Resources, provide immediate, straightforward access to Key Scheme Information Documents and a centralized hub for MPF queries
Reliance on Static Forms, the portal leaned heavily on manual PDF downloads for "commonly used forms" rather than dynamic, digitized web flows.
Lagging Digital Innovation, the portal lacked advanced automated features, relying heavily on traditional, manual administration.
Clear Portfolio Visualization, provide structured digital tools, like a "1-minute performance review," to help users quickly analyze fund asset allocations and top ten holdings.
Streamlined Offerings, actively consolidated constituent funds to simplify user choices, diversify investments.
Cluttered Cross-Selling, the MPF platform shared navigation space with prominent links to other corporate and individual health products, potentially distracting users
Usability Testing
To validate our initial design concepts, we hosted remote usability testing with 7 participants (4 current users, 3 competitor users). Our primary goal was to test the efficiency of the new Account Overview and the revamped investment instruction flow.
Key findings :
Overall satisfaction is good, the redesign earned a solid 7/10 usability score for its overall ease of use.
The Account Overview dashboard was a major success, users loved being able to see all their critical info at a glance without unnecessary page loads.
The introduction of the slider UI for adjusting investment percentages was highly praised for eliminating tedious manual data entry.
The data tables presented too much cognitive load. Participants felt there were too many rows, making the data difficult and time-consuming to scan.
User’s pain points and needs
04
Defined the following user’s pain points and needs after analysing all the research findings:
1
UI Clarity & Cognitive Load
Pain points:
Users expect a clean, intuitive interface that is easy to operate.

Needs:
Improve dashboard scannability by displaying only essential key data, preventing information overload while maintaining a modern, uncluttered UI.
2
Streamlining Complex Flows & Data
Pain points:
Managing investments and reading dense tables causes unnecessary friction.

Needs:
Simplify the "change investment" user journey by introducing more intuitive features (like the slider). Additionally, implement robust sorting and filtering functions within data tables to help users process high volumes of information efficiently.
3
Contextual Guidance
Pain points:
Financial platforms often contain complex content or confusing steps that leave users stuck.

Needs:
Integrate tooltips and inline descriptions throughout the platform to provide immediate, contextual instructions and explain complex terms without cluttering the screen.
Ideation
05
During the ideation process, I started working on the wireframes to explore the possible solution for the design.
Here's some example of the wireframes :
Final Design
06
MPF Overview
MPF Overview is a brand new comprehensive online dashboard for users access below functions
  • View account and fund balances
  • View account returns
  • View contribution and transaction history
  • Change investment instructions
  • View and manage MPF e-Statement / e-Advice
  • View and compare fund performance
Change Investment Instructions
Revamped design provide new features and redesigned flows for users to update their investment allocation
  • Side Menu for switching investment instructions type instantly
  • Instructions explain on step 1 of the flows
  • Redesigned input page for adjusting allocation
  • Slider for adjusting the allocation percentage
  • Show user’s highlighted funds in input page
  • Redesigned verify and acknowledgement page for users review their instructions
Account Details
Users can check their accounts’ balance and asset distribution in revamped Account Details
  • Redesigned account selection dropdown
  • New “More functions” quick link for users switching to other features directly
  • Redesigned Summary of account balance to show the formula of how the balance was calculated
  • Designed a chart for a better visualisation of Asset Distribution
Fund Performance
New feature for users checking holdings performance and the latest unit price as well as adjusting portfolio in one go
  • Visualise and compare up to 5 funds performance with line chart
  • Select funds and reallocate portfolio immediately
  • Fund details page contains the latest unit price, fund expense ratio, its portfolio allocation & top 10 holdings and cumulative performance
Account returns and projection on MPF benefits
Feature for checking account returns with unit prices are updated per working day and projected total assets at age 65
  • Visualised the projected total assets at age 65 as a bar chart for easier understanding
  • Table with sorting functions for the returns’ data of different funds and returns of accounts
Contribution / Transaction History
Users can view latest 24 months of records of contribution / transaction records
  • Filter for searching the contribution / transaction records and instantly calculate balance in chosen day range
  • Accordion design in the record table for the details data of each contribution / transaction
MPF e-Statement / e-Advice
Users can setup an instructions in the new platform to get notifications for new e-Statement / e-Advice
  • Redesigned flow for users to register to get email notification when the latest MPF e-Statement / e-Advice is uploaded
  • Table view for the e-Statement / e-Advice for 25 months starting from service registration date
Detail Screen Flow
07
Here are some examples of the connection map with all the finalised design to show all the flows and scenarios.
Project Result
08
The revamped MPF management platform was successfully launched on November 2021. Hang Seng Bank’s MPF users can now use the new platform to manage their MPF.