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Financial Services · Property Lead Service Designer · 10 weeks

Turning Renting Friction into a Trusted Platform Proposition

A major bank had invested months in research but couldn't get clarity on which proposition to back. In 10 weeks, we validated a platform concept with real landlords and tenants — and built the evidence to take it forward.

Proposition designBusiness modelUser testingService DesignStrategy

4–5 minute read

Financial case study lead visual
Tenant MVP journey — checking references and uploading documents before moving in. The end-to-end scenario for the MVP.

01 · Challenge

Six months of research. Still no clear direction.

The client had done significant exploratory work — desk research, qualitative interviews, business modelling — and arrived at two competing propositions. The problem wasn't a lack of data. It was a lack of validated direction. They needed to know which features to back, what users would actually pay for, and whether a trusted landlord-tenant platform was a real opportunity or a wishful one.

  • Existing research had produced competing propositions without resolving which had stronger commercial potential
  • No validated evidence of willingness to pay across either landlords or tenants
  • Landlord-tenant relationships characterised by low trust, poor communication and high friction
  • Need to design for both sides of the market simultaneously — with different motivations, risks and expectations
  • Tight timeline with senior stakeholder pressure for a clear, sponsorable outcome

02 · Approach

Two design sprints. Twenty real users. Real answers.

I led a team of three designers across a 10-week engagement structured around two focused design sprints. The methodology was deliberately lean — prioritising validated evidence over comprehensive documentation.

  • 20 in-depth interviews across 10 landlords (large and small scale) and 10 tenants to understand current experiences, frustrations and unmet needs
  • Low-fidelity concept testing across two two-day intensive sessions to test desirability before investing in high-fidelity design
  • Feature prioritisation framework to assess which capabilities landlords and tenants valued most — and what they would pay for
  • Willingness-to-pay testing embedded directly into concept sessions
  • Service maps showing the full tenancy lifecycle — from property search to tenancy end — and where the biggest friction points sat
  • Business model design connecting customer value, revenue streams and partnership opportunities

Methods used

Design sprint
Depth interviews
Low-fidelity concept testing
Willingness-to-pay testing
Feature prioritisation
Service mapping
Systems mapping
Business model design
Financial — 02 visual
Co-design session with cross-functional team — translating user research insights into prioritised propositions.

03 · Outcome

A validated proposition with a clear path forward.

Rent Pass — a platform designed to build trusted, transparent relationships between landlords and tenants throughout the full tenancy lifecycle.

  • Proposition validated with real landlords and tenants across different scale, type and experience level
  • Clear evidence of which features created value and which users would pay for
  • Clickable prototype refined through user testing — ready for the next stage of development
  • Feature list usable to assess potential technology and delivery partners
  • Final report with concept designs and service maps used to secure senior sponsorship
Financial — 03 visual
Future end-to-end Rent Pass journey — emotional experience across landlords and tenants, with opportunity areas surfaced at each stage.

04 · Impact

Evidence that moved the conversation from 'should we?' to 'how do we?'

The work gave the bank the confidence to continue investing. More importantly, it gave the leadership team a clear, evidence-backed view of what the proposition should be — and what it shouldn't.

The value wasn't the prototype. It was the clarity — a business decision made on evidence rather than assumption.

Project details

ClientA major UK bank
SectorFinancial Services · Property
RoleLead Service Designer
Duration10 weeks
Year2022

Key outcome

Validated platform proposition with evidence of willingness to pay — delivered as a final report that secured senior sponsorship for continued development.

Due to Non-Disclosure Agreements, detailed visuals and artefacts from this project are not publicly shared.

If you're interested in the full story — the methods, artefacts and outcomes in more depth — I'm happy to walk you through it directly.

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