Driving Fintech UX Trends: How To Make Your App Smooth And Clear


Put yourself in the shoes of the client who came to the app. Draw an analogy with a physical office. Before ordering a financial service, you must introduce yourself and show identity papers. Please, do not force the user to do it right out of the gate. Let them look around and get used to the environment. On the Internet and in real life, customers often go by a first impression. If it is based on honesty and trust, they say, “Yes!”

Onboarding screens in fintech apps


Finally, ask to enter identity details. Be sure to explain why they are needed and why it is crucial to enter accurate data. A distinct note will let users know that incorrect data leads to failed authorization.

  • Use a one-column layout. This structure allows the user to fill in the data intuitively and do not skip the required fields.
  • Split the form into several stages. Such breaking helps the user locate themself and calculate the steps to do.
  • Apply masks and stoppers. But do it carefully. You don’t have to leak private data like credit card number or pin code.
  • Describe errors. Highlight the relevant field and tell the user what is wrong so they can fix the problem quickly.
  • Submit options. Choosing among available options saves time, as users do not need to type in manually.


The security issue in fintech goes more in-depth than in the rest of the apps. Here you need not only ask for a password at the entrance but also to secure monetary transactions carried out through the app. Banking app design trends require a smooth user experience in three cases:

Biometric authorization in banking app
  • Warn. Display something like: “You have two attempts left, after which the account will be blocked.”
  • Allow time. You may extend the period before lockout or make a blocking temporary.
  • Give a second choice. Provide an alternative method of authorization and make sure the user can reach client support effortlessly.


Today, fintech companies provide new UX experience in banking apps. They are trying to be on the same page with a user, communicating in a simple and understandable language. In that regard, AI plays a vital role. It acts as a personal assistant who knows the preferences of their client and provides the most relevant services. The in-app advisor chooses a friendly tone of speech. It moves away from standard surveys to more informal methods. Among other things, an AI expert addresses the user by name, asks questions, and gives advice. It reaches the client via popular messengers, which are called from the mobile app. Such means of communication make a human-like perception as if you are chatting with a friend.

AI human-like assistant reaches the user via Facebook messenger

UI Tips

The user experience should be not only tangible but also visible. A visual look is a calling card of the app. When working on a banking service, you need to be careful. Dazzling colors and eccentric design are unacceptable. Instead, the following trends are in favor.

The financial dashboard visualizes economic indicators
Mint displays spendings in a grey

Design Thinking

“Design is intelligence made visible,” as Alina Wheeler has said. Many modern fintech companies go by this rule. They put design thinking at the core of software development. It means that, first of all, the product is produced with the thought of a user. Choosing between “it will be right” and “it will be better for the client,” select the second. In practice, design thinking is implemented in several stages.

  1. Empathy. The team learns to understand the customers: what they want from the product and what benefits they expect to receive. For that, designers create a picture of a typical user — persona. It shows user social class, relationship status, personal preference, education, and other things.
  2. Definition. Here, developers and designers define the main challenges that clients face. What are their thoughts and needs? What problems are they going to solve with the help of the fintech app?
  3. Ideation. After naming the problems, it’s time to look for solutions. How to implement an app that will meet user expectations? To find the answer, the team uses brainstorming, mind mapping, social listening, and other idea generation tools.
  4. Prototyping. When user motives seem to be clear and solutions identified, developers proceed to prototype the product. Usually, they produce several options. The idea is not to make a final app but to find the fittest variant.
  5. Testing. Finally, the team can try fintech app design traces. It reproduces the most expected user scenarios. In a perfect world, it involves users for testing.

Final Thoughts

UX in banking should be simple and understandable. At the same time, it has to fit dozens of functions on one screen: from quick access to personal data to the opportunity to receive a bank statement. If you look for a creative team that can help you with this task, contact us. Let’s do an outstanding project together!



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Softensy specializes in fintech development and enterprise-level apps. Our team helps companies automate business processes by developing software solutions.