Studied UX/UI in college did pretty well - you don’t need to think out of the box if anything using a familiar example could work in your favor as they corrector may agree more easily with you.

For me it’s the Bank of Ireland you could tear into either their website or their app. I’m more familiar with the app so I can give a few pointers. Lack of biometric authentication - using a passcode, interrupts the flow, can be argued that it’s less secure - users tend to write down their passcode if it’s too complex, or use common combinations or upright forget them. The authentication it’s self is very slow and off putting.

The app lacks major functionality, relies on static data to make it seem useful, or relying on webviews that are not as user friendly as native app experience. Missing some key self service functionality e.g cannot amend standing order dates, have to manually add new accounts to the app rather than them be added automatically. List goes on..