UX and UI Design Trends in Banking and Fintech

Denis Z
UI/UX Design 06.09.2018
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Sneak peek on banking UX trends

The financial and banking industry has been gaining momentum in recent years. This is all due to the fact that the incumbent financial institutions have timely reacted to new technological disruptions emerging on the world market. Going digital, tapping into AI-driven solutions, leveraging blockchain tech-enabled operating models is a positive step forward for conventional financial businesses to create scalable and customer-centric services.

According to the Global Findex survey, 69% of adults all around the world, that is 3.8 billion people, have bank accounts and mobile money providers. So fintech startups have to improve user experience in order to meet evolving customer needs and not to fall behind competitors.

Criteria for better UX in fintech

Leading fintech companies articulated several renewed principles that can help the industry go toward their customers’ expectations. In the World Fintech Report 2018 they are boiled down to the following:

  • Higher personalization
  • Increased speed of service
  • Improved convenience
  • Intuitive interaction
  • Better functionality
  • Proactive insights


High customer experience consists of the proactive insights, higher personalization, better functionality, intuitive interaction, improved convenience, increased speed of service.All these can drastically impact on improving customer and user experience across multiple channels, making no exceptions when it comes to providing robust web and mobile UI/UX design solutions that comply with ever-changing customer needs and wants.

Harnessing the potential of UX design

How can UI/UX design contribute to the fintech sector? Since the changes are inevitable, some proper user-experience design solutions may help to overhaul the appearance of your mobile banking app and optimize its usability for end-users. I am happy to see that the Gestalt principles gain traction among fellow designers. It means that all the disparate design elements should eventually be arranged in concert with each other so that end-users can get the harmonic overall impression of a fintech app.

Although creating an actionable UX roadmap is not that easy, here is a wrap-up of modern UI/UX design trends to help you out while designing a commercially viable fintech app. Check out what’s on tap in UX design for this year and beyond to stay ahead of the curve.

Skeuomorphic buttons

High-detailed visual interface is a main stream nowadays

Some UI/UX design experts, like Will Grant, say that the days of flat design, especially for buttons, are gone and it is high time to enrich banking user interfaces with more visual details. Neither can ghost buttons with those transparent basic shape forms help you enhance user experience. It is skeuomorphic design can hit the target of the banking app’s UX design in 2018. By putting realistic shadows, highlights and textures on your UI buttons make them nearly tangible. Your customers will definitely appreciate the feeling of tapping on true-looking objects.

Microinteractions and functional animation

Microinteractions help users to engage with app and feel comfort

Interaction is a key driver in bridging the UX gaps between you and your customers. Microinteractions empowered by relevant animated GIFs, buttons, fonts, icons, and other UI elements. They please the eye of the app’s users and allow them to get instant feedback from your mobile fintech application, which eventually leads to the user experience boost.

Color gradients

Gredient in ui design lighten the interface Using gradients in mobile app UI/UX design is much similar to a new buttons design trend I mentioned above. No more flat unappetizing colors in 2018! Subtle gradations of tone from light to dark help define the forms and shapes of user interface elements. Gradually blended hues and colors make the overall picture of your banking app look more realistic and appealing. Of course, it requires some proper UX design skills to create a real-life appearance.

Geometry and isometric projection

Isometric perspective elements create a high-level visualization for the fintech charts and dataCreating UI elements in the isometric perspective is a returning trend in UX design. However, it can really add much value to app’s usability and user experience enhancement. That said, seasoned UI/UX designers in 2018 would rather convert bland and boring flat design shapes into great-looking perspective views. When used correctly, an isometric design is a great means of helping users to easily familiarize with and smoothly navigate your business app’s options.

Vibrant colors and contrast

Sharp colors in ui design help users to follow the right step during the journeyFor the uninitiated, a trend of applying strong colors and contrast in your app’s UX design seems to be quite contradictory to using gradients. However, the well-balanced mixture of various UI/UX design techniques is always welcome, providing your app designer knows what to do and doesn’t spoil the overall picture. The usage of sharp colors has a distinctive function in mobile app UX design when it comes to the element hierarchy and spatial organization. When based on psychological patterns, intense colors and contrast may elevate users’ spirits, stimulate them to actively exploit the potential of your fintech app.

Voice-activated interfaces

Voice-aided interface provide a engaging experience and proper result

The voice-aided approach in designing mobile app interface is a growing trend that worth considering in 2018. Voice-command interfaces are nowadays critical to many industries and target audiences. For instance, the voice-enabled interface can significantly improve the online shopping experience in eCommerce, assist visually impaired customers to ease the access to the mobile app’s functionality, and streamline financial transaction flow.

Biometric authentication (face ID)

Biometric authentication process for the banking app in the fintech sectorComplicated registration and ordering processes with multiple stages is the key factor that finally results in increasing the rate of customer churn. In fact, this is more a necessity than a trend in 2018. The same goes for locking/unlocking your device, when the actionable face and touch ID features come into play, thus making the utilization of a mobile device and onboard applications much more accessible and optimized.

All in all, voice-based options as part of your design allows users to avoid long-time routine actions, while biometrics data verification ensures security and personalization.

Feel free to contact us, if you need a helping hand in creating great UI/UX design for your banking and fintech applications.

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