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Digital Transformation in Banking Lacks Branding, Not Technology

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Digital Transformation in Banking Lacks Branding, Not Technology

Digital disruption touches every facet of our lives, the banking industry stands at a crucial crossroads. The pandemic has forced an acceleration of digital transformation in banking, shifting it from a growth strategy to an existential imperative. Yet, while many financial institutions have scrambled to adopt new technologies, the true potential of digital transformation extends beyond mere technological upgrades. The key lies not in a digital-first approach, but in creating a holistic digital space of the financial brand that resonates emotionally with customers, engenders trust, and builds loyalty through a compelling purpose.

What Digital Transformation in Banking Really Is

Digital transformation in banking usually refers to the comprehensive integration of digital technology into all areas of banking, fundamentally changing how banks operate and deliver value to customers. It involves the use of innovative technologies such as artificial intelligence (AI), machine learning, blockchain, data analytics, and cloud computing to enhance banking services. Digital transformation in banking is driven by the need to improve operational efficiency, and address the competitive pressures from both traditional financial institutions and fintech startups.

However, the real digital transformation in banking transcends technology; it is about crafting a holistic financial brand experience that centers on the human needs and aspirations of customers. Digital transformation, in this sense, involves integrating technology not just to improve efficiency but to cultivate a meaningful and emotionally engaging relationship with customers. Key digital elements, such as AI, blockchain, and data analytics, become enablers of a greater purpose, providing services that reflect genuine empathy and responsibility.

Driving this transformation are shifting customer expectations and fierce competition from both traditional institutions and nimble fintech startups. Based on data from U.S. regional and community financial institutions with $4.4 billion in assets on average, the Alkami report finds that mid-size banks and credit unions more than doubled their investments in digital transformation in fiscal year 2022, to nearly $425,000 per $1 billion in assets, yet the real returns on these investments come only when they are part of a broader, purpose-driven digital branding strategy.

Key aspects of holistic digital transformation in banking include:

  • Customer Experience as an Emotional Journey. Digital transformation that places technology in service of empathy and connection enhances not only convenience but also emotional engagement. Banks today must use digital tools to provide a seamless, personalized experience that reflects the values and aspirations of their customers, creating loyalty through meaningful interactions.
  • Brand's Purpose at the Core of Customer-CentricitySuccessful digital transformation begins by placing a brand's purpose at the heart of customer experience. This involves empowering customers with digital services that support their financial goals, anticipate their needs, and provide transparent, reliable guidance. Digital transformation methodologies alone cannot capture the essence of customer-centricity without this sense of purpose.
  • Operational Efficiency with a Human Touch. Automation and digitization of manual processes reduce operational costs and improve efficiency. Technologies like AI and machine learning are used for tasks ranging from customer service (via chatbots) to risk management and fraud detection, but purpose-driven banks prioritize efficiency that improves human interactions, not just cost metrics. Operational advancements should contribute to creating value for customers, helping them feel that the bank is committed to improving their financial well-being.
  • Data as a Tool for Empathy. Banks use big data analytics to gain insights into customer behavior, preferences, and trends. Data analytics offers insights into customer behaviors, but purpose gives meaning to these numbers. Banks that use data to deepen their understanding of customers' unique challenges can tailor digital brand that feels authentic and supportive, rather than purely transaction-driven.
  • Innovation with Societal Relevance. Digital transformation encourages the creation of new digital products and services, such as digital wallets, peer-to-peer payments, and blockchain-based solutions. Of course, innovation helps banks stay competitive and meet the evolving needs of their customers, but true innovation in banking considers the societal context. Rather than introducing technology for novelty's sake, digital brands innovate in ways that address real customer and community needs, creating solutions that align with their social and environmental responsibilities.
  • Enhanced Security and Trustworthy Compliance. Digital transformation also involves the implementation of advanced cybersecurity measures to protect sensitive data and transactions, but advanced cybersecurity measures are implemented not just for regulatory adherence but to safeguard the emotional bond of trust with customers. Purpose-centered compliance goes beyond meeting regulatory standards; it builds an ethical framework that reassures customers that their digital financial security and privacy are paramount.
  • Purposeful Collaboration with Fintech. Collaborating with fintech is no longer about simply accessing new technologies; it’s about creating a cohesive, purpose-driven experience that elevates customer satisfaction and engagement. Banks that purposefully partner with fintech firms can offer innovative solutions tailored to customer needs, providing seamless, meaningful experiences that align with their values. These partnerships are crafted to enhance customer lives and solve real-world problems, resulting in differentiated, customer-centric services that foster deeper relationships and competitive advantage.
  • Sustainability and Ethical Commitment to Community Impact. Embedding environmental, social, and governance (ESG) principles into digital transformation reflects a bank's commitment to its broader societal role. Purpose-driven banks integrate sustainable and ethical practices throughout product development, operations, and investments, focusing on creating lasting, positive impacts. This commitment to financial inclusion, reduced carbon footprint, and responsible data usage not only meets customer expectations but also resonates on an emotional level.
  • Empowering Employees Through a Purpose-Driven Culture. In a purpose-driven bank, employees are not just equipped with digital skills; they are empowered to contribute to a brand culture that values empathy, purpose, and innovation. This means creating a supportive environment that encourages continuous learning, cross-functional collaboration, and alignment with the bank’s mission to serve customers meaningfully. By investing in training and nurturing a purpose-driven culture, banks can inspire their workforce to connect with customers on a deeper level, empowering service excellence and a shared commitment to fulfilling the brand's purpose. This approach enhances employee engagement, which in turn translates to a more enriching, customer-centered experience.

Why Digital Transformation in Banking Lacks Branding, Not Technology

In recent years, banks have poured substantial resources into digital transformation, rapidly adopting cutting-edge technologies like artificial intelligence, blockchain, and data analytics. While these advancements are crucial for staying competitive, they often miss a vital component: branding. The most successful transformations in banking are not those that simply leverage technology, but those that seamlessly integrate a powerful brand purpose and create an emotional connection with customers. Here’s why digital transformation in banking needs to shift its focus from technology to branding:

1. Branding Builds Trust, Technology Alone Does Not

Technology can enhance security and streamline transactions, but it doesn’t inherently build trust or loyalty. Customers are not just looking for functionality; they want to know that their bank understands them and aligns with their values. A clear, purpose-driven brand that communicates empathy, reliability, and transparency is essential to winning and retaining customer trust. Banks that invest in branding as part of their digital transformation connect with customers on a deeper level, creating bonds that withstand market fluctuations and competitive pressures.

2. Purpose-Driven Branding Differentiates in a Crowded Market

In a market crowded with traditional banks and fintech disruptors, differentiation is no longer just about product features or faster technology. A purpose-driven brand that reflects customer values stands out in a landscape where many institutions offer similar digital capabilities. A strong brand purpose that goes beyond profits—like promoting financial inclusion or supporting sustainable investments—creates an emotional appeal that technology alone cannot achieve. This differentiation drives loyalty and can turn customers into advocates.

3. Customer Experience Is About Emotion, Not Just Efficiency

Many banks focus on digital transformation to improve operational efficiency and convenience. However, a memorable customer experience involves more than efficiency; it’s about creating positive emotional interactions at every touchpoint. Banks need to leverage technology to enhance their brand experience—crafting interactions that feel personal, responsive, and emotionally resonant. This requires a brand strategy that humanizes digital channels, making customers feel understood and valued, which in turn boosts long-term loyalty.

4. Sustainability and Social Responsibility Drive Modern Brand Expectations

Today’s customers, especially younger generations, expect companies to act responsibly and contribute positively to society. Technology-driven initiatives in sustainability, like reducing carbon footprints or promoting financial education, resonate with customers only when they are part of a cohesive brand narrative. Banks that use digital transformation to further a purpose-driven brand are able to connect authentically with customers who prioritize ethical and sustainable practices, reinforcing loyalty and trust in the brand.

5. Brand Loyalty Leads to Sustainable Growth in Digital Banking

Technology can attract customers with convenience and features, but brand loyalty keeps them coming back. A purpose-driven brand that is integrated into every aspect of digital transformation—from customer interactions to product design—ensures that customers see their bank as more than a transactional entity. Brand loyalty, rooted in a meaningful purpose, offers a sustainable competitive advantage, securing the bank’s position in a fast-evolving digital landscape.

Effective strategy for the digital transformation in banking is the crucial factor determining whether a financial company will lose it all or strengthen its position in the market. A product that doesn't carry any value or benefit to facilitate people's daily lives will not be viewed as a necessity.  Global digitization and the post-pandemic have completely changed the rules of the game in the financial industry. When the primary goal was to make a profit, it was enough with a product, business model and market distribution to ensure the company's success. Now it doesn't work that way anymore, we need empathy and purpose-driven strategy to create a powerful digital brand.

In the digital age, digital branding becomes the main advantage and successful digital products are differentiated by the experience, benefit, and value they provide. That's why in the UXDA we define the digital success formula by adding some very important elements to the traditional operational model. The scale in which a financial business integrates these key factors defines the success potential of its digital financial products.

By embracing a purpose-driven strategy as the foundation for digital transformation in banking, banks go beyond simply adopting technology for the sake of efficiency gains or cost savings. Instead, they embrace a holistic approach that integrates technology with their brand purpose and values, focusing on generating positive societal impact, sustainable growth, and responsible practices.

The lack of a digital branding strategy in digital transformation leads to significant disadvantages:

  • Fragmented Customer Experience Enhancements: Banks may leverage separate digital channels to offer services, but without a digital branding approach, these enhancements are fragmented and often miss the mark. True customer experience enhancement comes from ensuring consistency across all digital touch points of the brand to address the specific needs and pain points of customers, which requires a deep sense of empathy and connection with a brand purpose.
  • Operational Efficiency Without Direction: Automation and digitization can reduce operational costs, but if these efficiencies are not aligned with a broader brand purpose and strategy, they can lead to a disconnect between the bank and its customers. Efficiency for efficiency’s sake does not create value.
  • Data-Driven Decisions Lacking Insight: Big data analytics can offer insights into customer behavior, but without a purpose to guide these insights, banks risk focusing on the wrong metrics. Purpose-driven data analytics look beyond the numbers to understand the human stories behind them bridging the emotional bond between customers and financial brand.
  • Innovation Without Meaning: Developing new digital products and services is crucial, but innovation without purpose can result in solutions in search of problems. Purpose-driven innovation starts with a clear understanding of the societal and customer issues that need addressing by the brand.

Building Long-term Relationships with a Financial Brand

Digital transformation in banking has evolved from a strategic advantage to a survival necessity. However, to succeed in today’s digital landscape, banks must go beyond merely adopting technology; they must reimagine their entire brand through the lens of purpose.

Future-ready banks recognize that their greatest brand assets are not just their reputation, history, financial services or technological innovations, but the people they serve. By prioritizing empathy and design in their digital transformation strategy, banks can create meaningful, user-centric experiences that align with their customers' needs and values. This approach will not only secure their brand place in the future of banking but also contribute to a more inclusive, accessible, and human-centered financial ecosystem.

To truly transform, banks can adopt a purpose-driven digital branding strategy that goes beyond mere technology adoption. This means:

  1. Meeting Customers in Their Context. A successful digital financial product understands and supports users in their daily lives. This requires deep exploration of customer contexts—habits, lifestyle, and emotions—enabling banks to provide truly relevant and supportive solutions.

  2. Fostering a Purpose-Driven Culture. Transforming an organization's culture to be purpose-driven requires a shift towards a design-mature mindset that embraces empathy and continuous learning, aligning with customers’ needs on a fundamental level.

  3. Creating Holistic Strategies. Purpose-driven banks view technology as a means to serve a larger brand mission, benefiting all stakeholders. This perspective ensures that digital transformation efforts generate lasting value, strengthening the emotional bond with customers.

  4. Embedding Purpose-Driven Design at All Levels. Banks that integrate design thinking across all departments achieve cohesive digital branding that resonates with their core values, building trust through each interaction.

  5. Ensuring Products Reflect Higher Human Needs. Products should evolve to meet not only functional needs but also social, emotional, and aspirational dimensions, establishing a deep connection with customers that goes beyond simple transactions.

In this article I will consider all these factors and show you how to purposefully create a digital brand advantage in finance.

However, there can be several challenges to implementing a purpose-driven strategy in business. One challenge is that it can be difficult to identify and articulate a clear purpose or mission that aligns with the brand's goals and resonates with its target customers. This can require extensive research, consultation, and collaboration with different stakeholders. 

Another challenge is that a purpose-driven brand strategy can require significant changes to the way a company operates, which can be difficult to implement and require the support and buy-in of employees at all levels of the organization. Additionally, a purpose-driven approach can require a company to prioritize long-term goals and social impact over short-term financial gains, which can be difficult for some organizations to balance.

1. Meet User Expectations Based on Customer's Context

Digital financial service success is directly dependent on its ability to ease users’ daily lives and solve their problems. If the product does not live up to user expectations and specific needs, they will seek another alternative that eases their lives in these difficult conditions.

There's a common faulty belief among many entrepreneurs. They are certain that it's enough to understand the user's problem in order to create a product that will solve it. But, truth to be told, this seemingly clear problem could not be solved without taking into account the specific context of it.

Financial companies are trying to find ways to cope with post-pandemic and provide the best digital service to their customers. Unfortunately, these efforts can become meaningless if they haven't dived deep into exploring the user context, motives and actions - three elements that are crucial for truly satisfying the users and solving the problems they are facing.

To better understand these three conditions, we need to explore the problem-solution cycle from the human perspective. It's an approach to defining a problem and finding a solution through three conditions. It starts with the context that defines the motives that then lead to actions. At each point, you can use specific tools that reveal the process and give you an idea of exactly how the financial service should work in order to solve the specific problem of the customer.

Let's take a closer look at each of these elements.

Explore Context

To identify the external context, you have to collect information about the potential users of your digital financial service. Create a user profile that describes the lifestyle and habits of the user persona.

Then, you should create an Empathy map to uncover the deepest understanding of the internal context. This uncovers the limitations and/or opportunities associated with the product use context.

There is no way to research user expectations without investigating both the internal and external user contexts. Truth be told, if you do not get to know your user's habits, lifestyle, environment, emotions and cognitions, you cannot understand how your product can help solve their daily tasks and problems.

Define Motive

The identified context determines the person's expectations in searching for a solution to the problem. How customers perceive the problem, where they will look for the solution, and how they will evaluate the effectiveness and quality of it. This defines the motive for using your banking product or financial service. In fact, this is the job for which users hire the product.

You can specify this job using the Jobs To Be Done framework (JTBD), and set the key priorities through the Red Route Analysis. You need to look deep enough to find the true motives that affect the actions of the users and their mental models.

Guide Actions

Next, the user takes action to achieve the needed solution. Customers use the product and interact with it. Your task is to ensure that the product provides the user with a clear, enjoyable and effective solution to their initial problem.

This is where the User Journey Map (UJM), user flow map, wireframes, UI design and testing come in as user experience design (UX) tools.

When you have found out and defined why people will choose your digital financial service in these circumstances, you have to be aware of the proper approach that allows materializing all of this knowledge. This leads us to the second important step of implementing a purpose-driven strategy in digital banking - the Organization's Culture.

Read more about the Problem-Solution Cycle

2. Become Purpose-Driven Disruptor Through Organization’s Culture

To identify what kind of company culture your business executes and how it's possible to change it in order to become a Digital Disruptor, I'm introducing you to the Financial UX Design Matrix.

In the digital world, companies that are disruptors have the greatest potential. The secret of their success is the design-matured culture that develops two basic components: Value and Design.

Both of these elements significantly affect the formation of customer experience within any business. Let's take a look at how the use or the lack of the use of Design and Value distinguishes four different company types.

Manufacturer

This is a company that cares more about its production process than its customers. Against the backdrop of the efforts invested in product creation and standardization of production, the interests of consumers do not seem so important.

Therefore, the management of this company is convinced that basic functionality is enough for users. Design,in this case, is a tool that is needed to create packaging, to bring the product to the market in an attractive way. The manufacturing company is an outdated type of organization that excelled in the industrial age.

Seller

Unlike the Manufacturer, Seller company is more focused on promotion than on product functionality. The Seller collects data about customers, finding out their preferences and needs. Then this information is further used by a marketing department that develops advanced communication strategies to address them on an emotional level.

Sellers are well aware that, in conditions of high competition, it is necessary to use something more attractive to users than boring and standardized functionality. Therefore, they use an advanced value proposition and design as powerful promotional triggers.

Despite all the client-centered slogans of such company, their customers don't feel that the company is concerned about their interests, face formal attitude and poor service. This kind of company would have actively advertised their high level of customer experience, as well as digitization efforts but they are not able to ensure the promised quality of their service.

Innovator

Innovators in our frame are user-oriented entrepreneurs who make technological improvements. These are usually engineering companies looking for technical solutions that will better meet the needs of consumers to provide them with extra functionality.

They use Design thinking as a creative process aimed at finding new solutions. Innovators are sure that the functionality of a new level provides high value for consumers. Therefore, they are much more interested in researching and developing a new technology than caring about the customer's actual needs and experience.

The difficulties of Innovators are related to the fact that the development of new functionality is a key process for them, and they are not ready to delve into psychology and consumer behavior. As a result, the products of the Innovator’s companies are often inconvenient and interesting only to a narrow circle of specialists and technology geeks.

Disruptor

Disruptors are companies that leverage the maximum potential of all four vectors and are extremely customer-oriented. Very often, they are perceived as companies changing markets or even creating new markets through disruptive innovations. These are design-matured companies that reinvent experience, offering new service that is much more convenient, efficient and enjoyable than the boring alternatives already available on the market.

Disruptors see profit as the result of maximum user satisfaction, and as a result of realizing the meaning of the company purpose that is focused on customers’ benefits. This provides them with long-term competitive advantages, customer loyalty and community support, all of which results in above-average profits.

Disruptors often use the functionality that Innovators have created but develop it at the higher levels of the Value Proposition. Being obsessed with execution, they bring every element of the user experience to perfection. Their task is not so much to create innovative technologies, but rather to rethink the habitual way of life. And, that is what makes them true Disruptors.

They realize the maximum potential of their business model, product and market offer through the integration of a purpose-driven approach into the company's DNA through Design. Thanks to this, Disruptors are able to build the most trusting relationships with their customers, and, in case of any business difficulties, they receive support and assistance from their fans.

Read more about the Financial UX Design Matrix

3. Make the Strategy Effective in Terms of Digital Age

In order to remain competitive in the digital age, modern businesses must adopt a strategic approach to financial product design. In order to facilitate this integration, the Digital Strategy Pyramid framework provides a clear, step-by-step process that guarantees design choices are in line with the goals of the business, market research, brand identity, service details, and ecosystem coherence.

Purpose

The foundational level, where a company defines its core "why" - its vision, mission, values, and goals. It's about creating meaningful impact beyond mere financial gains, focusing on serving a significant cause that benefits customers and society. For banks, this could mean enhancing financial well-being, providing education, and offering more transparent and value-driven services.

Market

Understanding the target audience, including their needs, expectations, and pain points, is crucial. Banks need to develop digital strategies that resonate with their customers, tailored to address specific requirements and enhance their financial journey.

Brand

This involves shaping the company's brand identity and how it communicates authentically with customers. The goal is to reflect the company's purpose and values in a way that resonates with the target market, ensuring consistency across all brand experiences to foster loyalty and trust.

Service

Decisions regarding the service offerings are made to fulfill the company's purpose for its target market, aligned with the brand identity. Positive customer service experiences are key to retention and loyalty, highlighting the importance of offering a comprehensive range of relevant financial services and products.

Ecosystem

The final level encompasses the digital products and infrastructure that enable customer interaction and service delivery. A cohesive, user-centric digital ecosystem is essential for providing a seamless and frictionless experience across all touchpoints, which is critical for customer retention and competitive advantage.

Read more about the Digital Strategy Pyramid

4. Implement Design at all Level of your Organization

As banking digitally transforms, it is critical to navigate the complexities of creating user-centered financial services. Ignoring potential pitfalls can lead to product rejection and lost market advantage, often due to overlooked obstacles and blind spots by product owners.

Let's take five business levels: Process, Team, Action, Results, and Value, each crucial for enhancing design impact within financial organizations. Missteps at any level can jeopardize digital product success.

First Level: Process 

Assess the role of design in company processes. It's not just about having designers; it's about integrating design thinking throughout the organization to ensure projects are user-centered, leading to more successful products.

Second Level: Team 

The right team is essential. This includes roles from Chief Experience Officers to UI Designers, each bringing necessary skills to the table. Failure to select competent team members can lead to project failures, as seen in startups that overlook the importance of financial service design expertise.

Third Level: Action 

Design skills must influence beyond superficial elements. Design should act as a unifying force across all departments, emphasizing collaboration over competition to avoid disjointed digital solutions.

Fourth Level: Results 

Success metrics should focus on the value provided to users, not just on deliverables like the number of screens. A user-centered approach requires fewer screens and increases satisfaction, requiring expertise in analysis, research, and UX architecture.

Fifth Level: Value 

The most crucial question is "Why?" Understanding the unique value your product offers ensures innovation and distinguishes it from competitors. Encourage a disruptive mindset within the team to explore outside-the-box solutions that enhance product value and user benefits.

Learn more about the UXDA's Design Pyramid

5. Provide Product Value that has Maximum Market Fit

The Financial UX Design Value Pyramid draws inspiration from Maslow's hierarchy, suggesting products evolve to meet higher human needs as competition increases. This evolution makes products more humane, resonating with human nature and desires, especially in the banking sector where fintech innovation caters to specific user needs more effectively.

Functional Value

Mirrors physiological needs, focusing on delivering the desired result through product features. This is the basic level where products aim to fulfill the primary function or service they were designed for.

Usability Value

Aligns with the need for security, emphasizing ease of use to provide users with control and confidence, making the product not just functional but also comfortable to interact with.

Aesthetics Value

Corresponds to the need for love and belonging, where a product's design and appearance play a role in attracting users by appealing to their emotions and sense of beauty.

Status Value

Tied to the need for respect, where the product's prestige or alignment with a certain lifestyle confers a particular status on its users, making it a symbol of their identity or aspirations.

Mission Value

Reflects the need for self-actualization, where products or services inspire users to realize their potential or contribute to a larger cause, offering a sense of participation in something significant.

Innovation drives the progression from functionality to mission, with competition pushing products through these stages. Each level of the pyramid not only meets a more sophisticated set of user needs but also competes more effectively in a crowded market. This progression is evident in industries beyond banking, such as automotive, where products evolve from basic functionality such as T Model by Ford to embodying a mission or ideology that resonates deeply with consumers, such as sustainable Tesla.

As products advance up the pyramid, they must maintain the foundational values of functionality and usability while also embracing aesthetics, status, and ultimately, a mission that aligns with the changing needs and values of society. This holistic approach to product value development ensures that financial services can remain relevant and impactful in an ever-evolving market landscape.

Conclusion

The future of digital transformation in banking lies in creating a brand that resonates with customers on an emotional level, ensures trust, and reflects shared values. While technology is essential, it should be positioned as an enabler of a greater financial brand purpose—one that aligns with customer expectations and drives meaningful relationships. Banks that embrace a brand-first approach to digital transformation will not only stand out in a competitive market but will also build lasting loyalty, making their brand a trusted part of customers' lives.

If we accept that technology is merely a tool and not an end goal in itself, then the real measure of success will be the strength and longevity of the relationships that financial brands build with their clients. This digital evolution is fundamentally about people—about understanding their needs, preferences, and behaviors in a rapidly changing digital landscape. 

As financial brands navigate through this digital transformation, they must embrace a purpose-driven strategy that goes beyond the goal of making a profit at any cost. This strategy should aim to make the world a better place, create a positive social impact, promote financial inclusion, and build a financial experience that is accessible, intuitive, and tailored to meet the diverse needs of the customer base. To do so, financial companies can cultivate consistent customer experience, authentic digital communication, and ensure long-lasting relationships with their customers, grounded in trust, loyalty, and mutual respect.

Moreover, the focus on empathy and digital branding design highlights the importance of understanding the emotional and practical aspects of customer interactions with financial services. It is about creating products and services that are not only technologically advanced but also deeply resonant with the users' lives and aspirations. This approach acknowledges that technology should serve as a means to enrich human experiences.

In the past nine years, the UXDA team has completed over 150 digital financial app design transformations for financial brands in 37 countries. Explore our examples of financial app design transformation that exceeds expectations and creates an emotional connection through a stunning UX design by UXDA:


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If you want to create next-gen financial products to receive an exceptional competitive advantage in the digital age, contact us! With the power of financial UX design, we can help you turn your business into a beloved financial brand with a strong emotional connection with your clients, resulting in success, demand, and long-term customer loyalty.

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ABOUT THE AUTHOR

Alex
Alex, Founder/ CEO/ UX Strategist

Alex has dedicated half of his life to studying human psychology, as well as business success, developing 100+ digital projects and 30+ startups. He spent 10 years researching UX and finance to create UXDA's methodology. Alex is a passionate visionary who's capable of solving any challenge to improve the financial industry.