Airstar Bank, one of the first virtual banks approved to operate in Hong Kong, needed to develop an instantaneous, secure 24/7 mobile banking experience. The app-based solution includes advanced risk management that leverages big data technology to make its financial services accessible for more people, minimizes user fees, and provides a personalized and compelling user experience. Included in the target user group were lower-income earners and those underserved by banking services, making it easier for them to get support for their financial needs. Focus was put on expressing a strong visual identity for the brand and providing users a simple and clean interface that reduces their cognitive burden.