Designing a navigation system for deep flows in a financial super application

Exploring UX decisions for managing Back, Home, and Exit in multi-step flows

Product: Namadeno

Platform: Mobile (iOS / Android)

Designer: Arezo Arabi

Role: Product Designer (Full Ownership)

Product Introduction

Namadeno is a financial super app designed to integrate multiple financial and quasi-financial services into a single, integrated experience. The product is currently being launched in a limited and internal capacity at the holding level and includes the following main modules:

  • Investment (funds and financial instruments)
  • Insurance (with multi-step registration and purchase flows)
  • Public services (e.g. bill payment)
  • Neobanking and credit

Financial content and education
From the very beginning of the design, one of the main challenges of Namadeno was that services with completely different natures, risks and levels of commitment had to be brought together in a single app.

My role in the Product

Since the beginning of Namadeno, as the sole Product Designer of the project, I have been responsible for the end-to-end design of the product; from:

  • Defining the information architecture (IA)
  • Designing the main navigation
  • Designing key and complex flows

To reviewing the experience based on real feedback from the team and practical use of the product
Beside me:

  • A Product Manager
  • Three back-end developers
  • And two front-end developers were present on the project

and design decisions were made in direct interaction with this team as well as multiple stakeholders.

Product Maturity and Problem Formation

In the early design stages, the main focus was on:

  • Complete coverage of services
  • Defining clear paths to each domain
  • And creating a sense of integration across the entire application.

But as the product grew and deeper, more sensitive flows were added, such as insurance purchases, leasing, and multi-step payments, it gradually became clear that some of the initial navigation decisions, at a larger scale, created new challenges.

These challenges manifested themselves not in the initial design, but:

  • In the team’s actual use
  • In the implementation of the front and backend
  • And in the constant movement between deep pages of the application

Scope of the Problem

In Namadeno, not all flows have the same behavior and needs. Some paths are short, low-risk, and interruptible, but others:

  • are multi-step and time-consuming
  • require personal or financial information
  • involve security concepts such as OTP and payment
  • and require a high level of mental focus from the user

Examples of these flows:

  • Buy insurance
  • Apply for leasing
  • Shopping cart

As the number of these flows increased, the main problem gradually became clear:

How can we manage the user’s movement in deep flows without getting them lost, out of the process, or breaking their focus?

This case study explores the answer to this question.

Why was this Important?

The navigation challenge in Namadeno was not limited to moving between pages. Examining the scenarios showed that this issue has three layers of impact:

  • User experience layer
  • Focus and confidence layer in financial flows
  • Product development and testing experience layer

In financial and commitment flows, any navigation friction can cause hesitation, stoppage, or unwanted departure from the path. On the other hand, for the technical team, the unclear return and exit structure also created complexity in implementing and testing scenarios.
For this reason, this issue could not be solved at the “fix a button” level and required a redefinition of the navigation pattern.

Root Cause Analysis

Upon reviewing the product flows, it became clear that the problem stemmed from a structural inconsistency:
The variety of flows was high, but the navigation behavior was defined uniformly.
In practice, there were three different types of paths in the product:

  • Short and demonstration paths
  • Multi-level optional paths
  • Multi-stage flows based on data entry

However, the navigation system assumed the same Back behavior for all three types of paths. This increased the cost of returning in deep flows.

Navigation Conflict

At this point, a design conflict arose:
On the one hand, the user should be able to quickly exit the flow or change direction. On the other hand, there should be no accidental exits or distractions in sensitive flows.
This conflict arose between three goals:

  • Reduce the cost of return
  • Maintain the user’s focus
  • Prevent unwanted exits

So the navigation decision had to be context-based, not fixed.

Final Formulation of the Design Problem

The design problem was formulated as follows:
How can we design a navigation model in a financial superapp with heterogeneous flows that enables fast and low-cost exit, maintains focus and safety of sensitive flows, and keeps the exit rate low at critical stages?

This question became the basis for the next design phase and the examination of different navigation options.

Design Decision-making Framework

After formulating the navigation problem, I decided to examine and compare different navigation options at the Navigation Pattern level, rather than modifying UI components on a case-by-case basis. The goal was to arrive at a decision-making model that could be applied to a variety of flows, not just a specific path. At this stage, my focus was on the behavior of Back, Home, and Exit in different flows.

Option One: Linear Back-Based Navigation

In this model, the back button in the header always takes the user back one step in the page stack. This pattern is simple, predictable, and aligned with the default OS pattern.

Advantages:

  • User-friendly
  • Simple to implement
  • Consistent with common mental models


Limitations:

  • Requires consecutive backs in deep flows
  • High cost of exiting the path
  • Does not provide a quick path for the user to change their mind


Consequences: Good for short paths, but not financially viable for multi-step flows

Option Two: Add Home in the internal header

In this pattern, in addition to Back, a Home icon is placed in the header of internal pages so that the user can return to the dashboard with one action.

Advantages:

  • Quick exit from any depth
  • Reduces return cost
  • Clear shortcut for the user


Risks:

  • Distracts attention in sensitive flows
  • Increases the risk of accidental exit from the flow
  • Contradicts the logic of “step focus” in financial flows


Consequence: Good for selection and navigation pages, but risky for sensitive data entry flows.

Option Three: Exit/Cancel Text with Confirmation

In this model, instead of a Home icon, a text action such as “Cancel” or “Exit” is placed in the header of multi-step flows and is accompanied by two-step verification.

Advantages:

  • Transparent in terms of meaning
  • Reduces touch errors
  • Compatible with the Wizard pattern
  • Maintains user focus


Limitations:

  • Visually heavier than an icon
  • Slightly increases the exit rate (but in a controlled manner)


Consequence: Creates a safer behavior for long, sensitive flows.

Option Four: Keep Bottom Navigation Deep in Pages

One option explored was to keep the Bottom Navigation on internal pages to provide quick jumping between modules.

Advantages:

  • Quick jumping between services
  • Reduces dependency on Back


Risks:

  • Breaks focus in staged flows
  • Increases unwanted exits
  • Conflicts with the Focused Flow pattern


Consequence: Only acceptable up to select levels, not in staged flows.

Comparison of Options

Exploring the options revealed that no single pattern fits all flows. The different nature of paths requires that navigation also behave adaptively.
For this reason, the design decision shifted from a fixed model to a Context-Based Navigation model, which determines the behavior of the header and exit actions based on the type of flow.
The different nature of flows, from landing pages to multi-step financial processes, requires different navigation behavior.
For this reason, instead of choosing a single pattern, I defined an adaptive navigation model that adjusts the behavior of the header and exit and return tools based on the type of flow.
In this model, the path type determines what navigation tools the user sees, not just the depth level of the page.

Practical Classification of Product Flows

To operationalize the model, I first divided the product flows into three behavioral categories:

Explore and Select Pages

List pages, categories, service selection, information viewing

Linear Back Active

Bottom Navigation Only to First Depth

Home Icon in Header

Jumping Between Modules Allowed

Goal: High movement speed

Multi-level selective paths

Choose a fund, choose a service type, choose a product

Linear Back Active

Home Icon in Header

Quick Return to Dashboard

Goal: Reduce return costs without creating risk

Sensitive multistage flows

Insurance purchase, leasing application, payment, OTP, final confirmation

Back step in flow

Home icon removed

Replaced by “Cancel/Exit Process” action

Exit is accompanied by a confirmation dialog

Goal: Maintain focus + prevent accidental exits

Headers Strategy in the New Model

Based on this model, headers were limited to two main patterns:

General navigation header

  • Back arrow
  • Page title
  • Home or auxiliary action if needed
  • Can be used on non-staged pages

Staged flow header

  • Step Back
  • Flow Title
  • Text Action Exit Process
  • No Home
  • No Triggering Actions

Reducing the diversity of headers to two patterns reduced the complexity of implementation and learning.

Depth Rule for Bottom Navigation

To prevent navigation interference, a depth rule was defined:
Bottom Navigation is only displayed up to the selected layers and is removed when the flow starts in stages.
This rule:

  • Avoids accidental jumps from the flow
  • Maintains focus
  • Keeps navigation behavior predictable

From collaboration with the product manager and front-end team to implementation rules

An important aspect of this process was the final model approval with the Product Manager (PM). Since the navigation model had a huge impact on user interaction and team coordination, it needed to be aligned with the product needs and strategic goals.
At this stage, we held meetings with the Product Manager to review the impact of the changes, and after final approval, the adaptive navigation model was introduced to the technical team.

After defining the adaptive navigation model, the next step was to translate the UX decisions into actionable rules for the front-end team. After a meeting to present the problem and its solution and to hear and get approval from the front-end team, the goal was to make the navigation behavior not dependent on the developer’s personal interpretation and to implement it in a rule-based manner.
To this end, the navigation behavior was documented as a set of specific rules for the flow type, header type, and Bottom Navigation state. This documentation elevated the navigation decision from the component level to the system level.

Summary of this Phase

Once the navigation rules were defined, the test scenarios also became clearer. The technical team could know:
On each type of page:

  • What behavior should the back behave?
  • What conditions should the exit have?
  • When should the confirmation dialog be displayed?

This clarity reduced the cost of testing deep scenarios and made it easier to reproduce navigation errors.

At this point, the navigation model was transformed from a design decision to an implementation contract between design and development. This transformation reduced the risk of different interpretations and inconsistent implementations, and made navigation part of the product design system, not just a UI decision.

Outcome, learnings, and the impact of design on product experience

Design outcome and effects on user experience

  • Reduce return cost: Users can exit complex flows faster.
  • Maintain focus in sensitive flows: By removing Home and using exit confirmation.
  • Consistent experience: Reduce header variation and behave the same across flows.

Impact on technical team and product performance

  • Reduce coding complexity: Transparent rules of conduct for implementation.
  • Increase testing and debugging speed: Due to transparency in test scenarios.

Lessons learned

  • Navigation is more complex than UI and requires systems thinking.
  • Coordination with the technical team and PM is essential.
  • Clear and accurate documentation is key to successful implementation.

Final Concolusion

The adaptive navigation model significantly improved the user experience, increased focus on critical flows, and reduced technical team issues. It was designed as a comprehensive solution for multiple paths, and had a positive impact on the overall performance of the product.