Why this case matters
Regulated reporting — where mistakes are expensive
Tax reporting at scale means SLA pressure, institutional trust, and compliance risk. The work had to make operational behavior explicit and actionable — not only screens.
Personas, processes, glossary, error mapping, and design principles became a decision framework the team could reuse for product direction.
Context
KESt · New reporting module
UX architecture for German income-related tax reporting to the BZSt — a new layer in the WHT Platform ecosystem with validation-heavy, SLA-driven operational workflows.
WHT Platform · Existing platform
UX modernization of a mature product with established users, legacy patterns, and workflows that must evolve without losing domain trust.
Shared language and prioritization rules from Sphere 1 later shaped Manage Reports and broader platform evolution — not a one-off discovery pack.
Tier-1 prospects needed to experience the direction, not imagine it. I built Manage Reports in TypeScript with realistic data and interactions so demos with institutions including Goldman Sachs and S&P Global felt like production software.
Main users were expert operational users — not casual consumers. They work with regulated workflows, deadlines, validation logic, audit trails, and technical evidence. The goal was not to hide complexity, but to make it manageable, inspectable, and safe.
- Scope
- New KESt reporting module in the WHT Platform ecosystem + UX modernization of the existing platform
- Domain
- B2B finance · withholding tax · regulatory reporting
- Engagement & team
- Beabstracto hired to lead UX · I led UX and coordinated another designer · Engineering-led: devs, PO, CEO
- Deliverables
- Decision framework artefacts, IA, design principles, TypeScript prototype (Manage Reports)
Sphere 1
Strategy sphere — turning domain knowledge into reusable UX foundations
Before designing screens, I needed to understand what the product should optimize for: speed, safety, guidance, flexibility, automation, transparency, SLA visibility, operational throughput, or compliance confidence. In a regulated finance environment, these are not visual preferences — they are business decisions.
The problem was not missing domain expertise. The UX logic behind the product was not yet explicit, reusable, or tied to business and product decisions.
I used UX artefacts as decision tools. Personas clarified prioritization. Business processes showed where value and SLA risk live. Error mapping named failure points. UX tensions became principles. Information architecture linked roles, tasks, and product areas into reusable logic.
Strategic questions
What had to become explicit before screens
Questions that guided the foundations work with engineering, PO, and leadership.
Each question connected to artefacts that made decisions traceable — reusable logic instead of reinventing rules per screen.
Who are we designing for?
Which workflows create value?
Where the system can't fail
Which trade-offs should the product optimize for?
What needs to be visible to prevent SLA risk?
How do we make decisions reusable across the product?
Who are we designing for?
Where the system can't fail
What needs to be visible to prevent SLA risk?
Which workflows create value?
Which trade-offs should the product optimize for?
How do we make decisions reusable across the product?
Before strategic clarity
- ×Domain knowledge fragmented across developers, PO, and C-level
- ×Personas were implicit, not prioritized
- ×Processes discussed as features or screens
- ×UX trade-offs were opinion-driven
- ×SLA and risk logic not yet translated into interface behavior
After strategic clarity
- ✓Prioritized personas and client types
- ✓Shared glossary and taxonomy
- ✓Business process clusters and main journeys
- ✓Critical moments and error mapping
- ✓Explicit design principles
- ✓UI decisions linked to SLA, compliance, traceability, and throughput
Order of the work — a sequence of reasoning
The strategy work followed a deliberate chain: each step created input for the next product decision, for both the new reporting module and platform modernization.
AShared language — glossary, taxonomy, domain mapping
Without common language, UX, PO, engineering, and C-level could not align on product behavior.
BWho we design for — personas, client types, usage × impact
To prioritize operational users, supervisors, and supporting roles based on frequency, impact, and business risk.
CWhat work the product must support — business processes, clusters, main journeys
To stop discussing isolated screens and understand end-to-end workflows where value is delivered.
DWhere the product can't fail — critical moments, error mapping, fallback logic
In tax/compliance workflows, failures can create SLA, legal, financial, and trust risks.
EHow the product should behave — UX tensions → design principles
To turn business priorities into reusable rules such as safety over speed, transparency over abstraction, guidance over free exploration, and contextual visibility over minimalism.
FHow this becomes UI — IA, patterns, role-based entry, validation, dashboards, audit trails
To make strategy visible in the interface.
GHow success can be measured — pragmatic quality, time-to-value, SLA visibility, throughput, traceability
To connect UX quality with the value banks are willing to pay for.
From scattered domain knowledge to reusable UX foundations
Outputs that informed product direction — decision tools, not a checklist that stopped when discovery ended.
Glossary & taxonomyPersonas & client typesUsage × impact prioritizationRACI / permissions logicBusiness process clustersCritical journeysError mapping & fallbacksUX tensionsDesign principlesInformation architectureSuccess indicators / KPI framework
How strategic decisions flowed into the interface
The artefacts were not independent deliverables. Each one created input for the next decision. Shared language made it possible to define personas. Personas clarified which business processes mattered most. Business processes revealed critical journeys and failure points. Failure points shaped UX tensions. UX tensions became design principles. Design principles then informed interface behavior — filters, validation states, role-based actions, audit trails, dashboards, and SLA visibility.
1Shared language
Aligned terms so product, engineering, and leadership could discuss the same behaviors.
2Personas
Clarified whose workflows and risks should drive prioritization.
3Business processes
Showed where operational value and SLA pressure actually live.
4Critical moments
Named failure points with legal, financial, or trust impact.
5UX tensions
Made trade-offs explicit before UI debates.
6Design principles
Turned priorities into reusable rules for both product fronts.
7Interface behavior
Made strategy visible in filters, validation, roles, and SLA signals.
8Success indicators
Connected UX quality to what banks evaluate when buying finance SaaS.
UX as a business decision layer
In a company with strong engineering and finance expertise, UX was not yet fully established as a business decision layer. Part of my role was to show how UX artefacts connect product decisions to business outcomes: why a persona changes prioritization, why a business process is more useful than a screen list, why a design principle can prevent inconsistent decisions, and why pragmatic quality matters when banks evaluate the value of a SaaS product.
Personas
Used to prioritize whose workflow mattered most when trade-offs appeared.
Business processes
Connected product areas to SLA pressure and operational value — not feature lists.
UX tensions
Translated business goals into explicit trade-offs before UI debates.
Design principles
Gave the team reusable rules for regulated-workflow decisions.
Pragmatic quality & time-to-value
Connected UX outcomes to what banks pay for: confidence, throughput, and fewer costly mistakes.
Information architecture
Linked roles, permissions, and product areas into a structure that could scale with the product.
Selected outputs in detail
Synthesized examples of how the decision framework became concrete direction.
Glossary & taxonomy
Without shared language, engineering, PO, C-level, and UX could not align on product behavior.
| Term / Abbreviation | Definition / Meaning | Context in WHT Platform |
|---|
| Application | The document we submit — the application itself | Core entity in refund and reporting workflows |
| Claim | The possibility / reclaim case | Case container before an application is filed |
| Income | The dividend payment event | Payment chain data in report detail and validation |
| ADR | American Depositary Receipt | Asset type that may appear in imported bank data |
| Approver | User role in KESt | Can approve reports before submission (four-eyes flows) |
| Audit Trail | Action history log | Tracks actions taken inside a report — History tab |
| BZSt | German Federal Tax Office | Receives KESt income-related tax reports |
| Client Receipt | Report summary after submission | Sent to the client as proof of reporting |
Full glossary spans dozens of terms across WHT Platform and KESt — sample above.
Persona system — usage × impact prioritization
Users, influencers, and client types were clustered and prioritized by daily usage and business impact. Assistant Clerk and Team Lead / Supervisors became primary design anchors for KESt and shared WHT Platform patterns.
Prioritization path: user groups → usage × impact matrix → needs and pain points per priority persona.
Persona 1 — Assistant Clerk
Operational user · high usage & high impact
PrimaryMain needs
- • Clear CTAs — what needs to be done now
- • Guided processes with no room for interpretation errors
- • Clear UI feedback: on track, missing data, or what to fix next
Main problems
- • Does not know the software — feels overwhelmed
- • Unclear error messages — what do I do now?
- • No wizard for tax reclaim — steps 1–5 vs 5–7 hand off to another person
Persona 2 — Professional Clerk
More rights than assistant · end-to-end cases
SecondaryMain needs
- • Processes data end-to-end at operational level
- • Reviews and approves with audit trail
Main problems
- • Information scattered — switching screens and tabs
- • Manual steps when documents are not in the system
Persona 3 — Team Lead / Supervisors
Reporting manager · SLA & risk visibility
PrimaryMain needs
- • SLA dashboards as primary entry point
- • Monitor productivity and internal KPIs
- • Interventions traceable; audit trail on exceptional actions
Main problems
- • KPIs unclear — too many isolated metrics without context
- • Hard to follow SLA status in real time — when will we achieve?
- • Limited overview of what other clerks are doing
Persona 4 — System Admins
Configuration & governance
SupportingMain needs
- • Master data, rules, interfaces, permissions
Main problems
- • Not primary for Manage Reports journey — supports clusters 2 & 5
Business process clusters
End-to-end processes (imports, SLAs, four-eyes approval, RAS, reporting…) were mapped and clustered into shared product areas — connecting legacy WHT Platform workflows to KESt priorities.
Key product shift from clustering
Stop being passive (“I need to look for tasks”). Be informative: “Do this by date X because SLA Y applies.” — proactive guidance tied to deadlines and SLAs.
Cluster 1Standard Refund + Quick Refund
1st process: Submit an application
- • Generate standard refund documents
- • Submit application report
- • Review and approve applications (4EP)
- • Manage client master data
Cluster 2System Administration
2nd process: Setup the system (users & roles)
- • User roles
- • Permissions
- • Application settings
Cluster 3Managing / Reporting
Processes: reporting & observation
- • Generating reports
- • Managing client master data
- • Application master data
- • Observing the whole process
- • Monitor SLA progress
Cluster 4Relief at Source
Comply with RAS
- • Generate RAS documents
- • Submit documentation
- • Documents available, signed, RAS settings correct
Cluster 5Importing Management
Manage & correct import runs
- • Manage import runs (contacts, payments, claims)
- • Correct import runs
- • Manage and resolve conflicts
Each cluster was later mapped by frequency of use and impact if something fails (SLA, risk, money) — informing roadmap and Manage Reports prioritization.
Critical moments — where the system must not fail
From mapped journeys, the team identified moments where errors have legal, financial, or SLA impact.
No import / exportMaster data changes (e.g. tax rates) overwriting manual editsNo calculation triggered · missed deadline triggersFailed SLAsApplication submission reliabilityWrong taxation rules appliedLoss of claims / delivery system consistencyIncorrect data from upstream systemsUnclear error messages & unexplained blockagesAssigning review tasks to wrong usersDocument progress status not reflected correctlyInflexible document handling / RAS renewal failures
UX tensions — team voting results
In regulated systems, trade-offs must be explicit. Six tensions were prioritized with the team; winners became design principles for both product fronts.
Speed — fast executionvsSafety — error prevention→ Prioritized: Safety
Guidance — step-by-stepvsExploration — free navigation→ Prioritized: Guidance
Flexibility — user freedomvsControl — system constraints→ Prioritized: Control
Transparency — show what’s happeningvsAbstraction — hide complexity→ Prioritized: Transparency
Automation — system does the workvsManual control — user decides each step→ Prioritized: Automation
Visibility — statuses & contextvsMinimalism — keep UI minimal→ Prioritized: Visibility
Design principles from UX tensions
After voting on tensions in critical moments, we turned priorities into explicit rules for a regulated environment.
Safety over speed
Errors have legal, financial, and SLA impact — preventing wrong submissions matters more than fast clicks.
Guidance over free exploration
Regulated workflows need step-by-step flows, not interpretable screens.
System control over flexibility
Consistency and compliance beat ad-hoc workarounds.
Transparency over abstraction
Users must understand status, deadlines, and blockages.
Automation over manual control
Rule-based decisions should not depend on human memory.
Contextual visibility over minimalism
Expose SLA status, blockages, and missing documents without overloading the UI.
Standardization over excessive customization
Consistent logic reduces training and errors; customization must be rule-based, not UI-fragmenting.
Strictness before submission, forgiveness after
Block invalid actions early; allow controlled recovery when possible — prevention is safer than correction.
Permissions mapping (RACI-style) clarified which roles can view cases, approve under four-eyes, monitor SLAs, and manage imports — informing role-based entry points and IA without publishing a full matrix in this case.
Strategy → interface decisions
Examples of how strategic work shaped the Manage Reports experience.
Persona: Operational User under SLA pressure
→ Needs guidance, speed, clear errors
UI: Validation indicators, filtered lists, revalidation actions
Persona: Team Lead / Supervisor
→ Needs risk visibility and SLA overview
UI: SLA progress, dashboards, escalation signals
Process: Validate and approve reports
→ Risk: wrong submission / rework
UI: Validation states, audit trail, approval flow
Principle: Transparency over abstraction
→ Users must inspect what happened
UI: History, logs, XML view, status explanation
Business connection — UX quality and bank value
In WHT Platform, pragmatic quality is tied to what banks pay for: making employees faster, more confident, and less error-prone when processing regulated tax reports — not just looking modern.
Pragmatic quality was the UX lens I used: can users complete critical workflows efficiently, confidently, and with fewer avoidable mistakes? For finance SaaS sold to banks, that affects onboarding, throughput, SLA confidence, perceived maturity, and willingness to trust the system.
UX indicatorPragmatic quality
Business valuePerceived efficiency, clarity, and confidence for operational users
UX indicatorTime to value
Business valueSpeed to find, validate, and move reports forward
UX indicatorSLA visibility
Business valuePrevent missed deadlines before they become business risk
UX indicatorError prevention
Business valueFewer wrong submissions, less rework, stronger compliance confidence
Business valueAudit readiness and stakeholder trust
UX indicatorOperational throughput
Business valueProcessing thousands of reports per period
UX indicatorDemo credibility
Business valueProspects understand the product vision quickly
Together with stakeholders, I framed pragmatic quality and time-to-value as UX success indicators to connect later with business metrics such as SLA fulfillment, throughput, rework reduction, and client confidence — not as finalized measured outcomes in this phase.
What I would measure next
A measurement framework for the next implementation phase — not claimed results from this discovery/prototype phase.
- •Time to find a specific report
- •Time to identify blocking validation errors
- •Time to revalidate and approve reports
- •Number of context switches per report
- •Error recovery success rate
- •Confidence score after completing a workflow
- •SLA-risk visibility score
- •Operational throughput per reporting period
- •Rework from unclear validation or missing data
- •Support dependency during onboarding