Figma Fintech Case Study: Targobank Joe Broker

The Challenge

Bridging the Gap between
Intuitive UX and Banking Compliance

Targobank launched the neobroker 'Joe Broker' to drive its transition into a universal bank, aiming to capture a trading market expanding from 6M to 20M potential users. The mission was to synchronize two high-stakes requirements: delivering a didactic, guidance-based UX tailored to individual financial literacy, while ensuring absolute adherence to the rigorous compliance and legal frameworks of the banking sector.

Primary Challenges

Regulatory Rigor

Strict banking compliance requirements and legal frameworks

Strong Competition

Defining a USP to challenge established neobrokers

Time-to-Market

Pressure for rapid deployment and iteration cycles

Banking Security Requirements

Design-to-code security challenges

Solution & Implementation

A Figma-Centric Operating Model:
Unifying Design, Legal, and Development

To bridge strict compliance with rapid innovation, we established Figma as the central platform for the entire workflow. This model integrated design iteration, formal legal approval, and engineering handover into a single, synchronized environment.

Core Requirements

1. Didactic UX Design

Guidance-based interface for first-time investors entering the market

2. Banking Compliance

Absolute adherence to regulatory standards and legal requirements

Primary Delivery Workstreams

Workstream 01

The Single Source of Truth

Unified Design Foundation

Organized design tokens, established WCAG 2.1 AA-compliant color palettes, and built a centralized component library in Figma that synchronized across all teams in real-time.

Workstream 02

The "Ready-to-Build" Compliance Loop

Integrated Legal & Accessibility

Integrated legal and accessibility checks directly into Figma workflows, creating micro-copy governance, automated reference systems, and direct stakeholder approval mechanisms.

Workstream 03

Rapid UAT Integration & Scaling

Component-Based Architecture

Implemented a component-based architecture via Figma Make to enable rapid iteration, allowing teams to maintain short development cycles without compromising compliance or quality standards.

Results & Vision

Scaling Finance Product Development
through Figma

Utilizing rapid prototyping with Figma Make to build testable increments allows universal banks to shorten iteration cycles, empowering them to compete effectively with agile fintechs.

The Figma-centric approach eliminated our biggest bottleneck: getting legal, design, and dev teams aligned. We went from months of back-and-forth to days of collaborative refinement.

Alfredo Garces Director of Digital Investing and Trading Channels (Targobank & Joe Broker)