Digital Banking Platform — Spencer Tullos

overview

Q2's digital banking platform is what account holders actually log into — consumer, small business, and commercial banking on shared infrastructure, configured by hundreds of financial institutions and run from a single back office.

I've spent most of my time at Q2 here. I started on commercial banking in 2017, moved to consumer in 2018, and took on platform design in 2022 — the shared layer and the software that supports and enables everything else in digital banking, plus mobile native features along the way. In 2026 I managed product design across the platform.

challenge

On a platform this size, design problems rarely stay design problems. A confusing flow becomes a support escalation. A missing feature becomes a sales objection. A rough edge becomes revenue at risk.

And every fix has to hold up across hundreds of institutions and three very different kinds of banking — consumer, small business, and commercial — without breaking anyone's configuration.

approach

Over time I became the fixer. When something critical surfaced — from sales, from support, or from an executive — I'd drop in, get to the real problem underneath the request, and work with engineering to design and ship the fix.

Most of that work happened outside the design team: with sales on deals, with support on the issues account holders kept running into, with marketing on how the work was told, and with executives on which new features were worth pursuing. The job was as much translation as design — turning an urgent ask into a clear problem, and a clear problem into something engineering could build.

Urgent asks from sales, support, and executives, turned into something engineering could ship.

Not all of it was firefighting. I contributed to the Composable Dashboard, which lets an institution's marketing and digital teams build a dashboard for each audience out of content blocks — from Q2 and fintech partners — by drag and drop, with no code. Those same blocks later became how digital banking shows up inside AI assistants.

The Composable Dashboard: content blocks from Q2 and fintech partners, dragged into a dashboard for each audience.

outcome

Partnering with sales and support, that work helped secure millions in monthly recurring revenue.

It's also where most of my recognition at Q2 traces back to: a commercial payments redesign — I was part of the team — recognized by Aité Group as best-in-class UX in 2018, MVP of the Product Organization in 2021, and a UX Design Awards nomination for the Composable Dashboard in 2024.

Outside analysts have recognized the platform too. In 2025, Javelin's small business digital banking scorecard ranked Q2 best in class overall and first for functionality and UX, calling its modular homepage an industry benchmark. Datos named Q2 a market leader in small business digital banking the same year, citing the Composable Dashboard as a differentiator.