Toss Bank Boosts CTR and CVR 3x by Introducing 'Floating Card' for Asset Management Reports

Toss Bank completely redesigned the layout to address the low click-through rate (2%) of the Asset Management Report, which was previously placed at the bottom of the deposit/withdrawal area. Initially, the team tried various presentation methods such as speech bubbles and personalized messages, but these failed to solve the fundamental issue of users' attention being scattered because account information and recommendations were mixed on the same screen.

Structural Approach: Introducing the Floating Card

To clearly separate the roles of account information and the report, the design team introduced the Floating Card approach. Similar to a website tooltip, this structure overlays information without obscuring the existing screen, making the recommendation feature prominent without interfering with the user's primary task of checking their account.

To ensure the floating card was perceived naturally rather than as an advertisement, the following three principles were applied:

• Content-First Design: Graphics and colors were minimized, and the information hierarchy was structured around text and buttons to enhance trust in the feature.
• Dynamic Size Adjustment: The card shrinks when scrolling to yield space to other content, remaining as an entry point that can be reopened when needed.
• Natural Motion: Easing was applied to start quickly, decelerate smoothly, and add a slight bounce at the end, creating a feeling that the suggestion unfolds after the screen is displayed.

Results and Insights

A/B testing results showed that while the interactive variant, which only changed the presentation, saw a 1.1x increase in CTR, the floating variant, which changed the structure, saw both CTR and CVR (conversion rate) rise by 3x. In particular, the increase in post-click behavior indicates that the experience improved beyond merely discovering the report, leading to actual recommendations.

This case demonstrates that when design issues persist, the structure itself should be reevaluated rather than just the presentation method. The key was a structural approach that considered the subsequent experience, not just capturing the user's attention.