10 Best Fintech UX Practices for Mobile Apps in 2025

The global fintech market is predicted to reach $305 billion by 2025, driven by smartphone penetration, digital payments, & rising demand for smarter financial tools.

 

Fintech app development is rising across the globe. In South Asian countries like Singapore, fintech app usage now sits at 45%. Meanwhile, in the U.S., over 53% of consumers prefer digital wallets over traditional payment methods.

 

But this isn’t just a shift in technology—it’s a shift in expectations.

 

Today’s customers expect seamless fintech UX.

 

They want onboarding that takes seconds, dashboards that guide, and security that feels invisible. If your fintech app creates friction, fails to build trust, or doesn’t deliver clarity at key moments, users won’t stick around. They’ll uninstall.

 

In this blog, we break down the top 10 fintech UX best practices for designing financial apps in 2025. From AI dashboards to conversational UX design – these are the proven strategies that top fintech companies use to retain users, build trust, and scale globally.

 

Let’s get into it.

 

Top 10 Fintech UX Best Practices for Apps in 2025

Here are the only 10 UX design strategies you’ll need for fintech app design. We’ve applied these practices time and again for major fintech firms to see extraordinary results.

 

1. Enable Zero-Friction Mobile Onboarding

What it means: Fintech app users expect immediacy, without having too many steps to sign-up. Every extra input field or form lowers your completion rate – especially on mobile devices where typing is limited.

 

Fintech UX/UI Design Best Practices:

 

• Use phone number + OTP as default login, instead of email & password.
• Enable biometric login (Face ID, fingerprint) from day 1.
• Use pattern & feature recognition technologies like OCR (Optical Character Recognition) to auto-fill KYC details from ID cards, to reduce manual inputs.
• Show a progress bar so users know how many steps are left. Users are more likely to finish onboarding with visible progress indicators.

For example, Singapore-based super-app Grab integrates biometric login and phone-based verification to make its fintech features instantly accessible, minimizing user drop-off.

 

Pro tip: Don’t bury terms & conditions behind a tap — show the most relevant points upfront. It builds trust.

 

2. Design for Financial Wellness, Not Just Transactions

What it means: A strong fintech user experience goes beyond making transactions easy. It empowers users to build financial health by offering tools for budgeting, tracking, and goal planning.

 

Fintech UX/UI Design Best Practices:

 

• Helping users understand and manage their financial data should be central to your UX strategy. Add net-worth visualizations, savings goals, and monthly spending summaries.
• Embed micro-learning features like tooltips, mini-tutorials, or in-context financial tips that educate users in real time. This helps them understand concepts such as budgeting, savings, or credit scores without leaving the app.
• Add smart nudges to promote better money habits. Eg, “You spent 15% more on dining this week—want to set a budget?”
• Let users set custom alerts for goals or limits to stay accountable.

For example, the Singlife app in Singapore helps users manage insurance, savings, and investments through a single wellness-driven dashboard.

 

3. Use Actionable Dashboards

What it means: Instead of overwhelming users with raw financial data, fintech app design should present information that prompts meaningful actions. Fintech dashboards should guide decisions, not just report information.

 

Fintech UX/UI Design Best Practices:

 

• Prioritize a single call-to-action above the fold (e.g., “Transfer Now”).
• Use visually grouped, color-coded cards in the fintech app UI to categorize expenses, investments, & savings for quick comprehension.
• Personalize dashboards using AI: dynamically reorder cards based on user priorities, spending habits, or financial goals.
• Make insights interactive: Allow tap-to-expand or filter views for deeper exploration.
• Ensure that dashboards are designed to be mobile-first and load within 2 seconds even on low-end smartphones.

For Example, for Zebpay, a cryptocurrency exchange platform, we redesigned their dashboard so that users could easily see their entire portfolio and compare invested amounts with current values—for easy decision making.

 

4. Use Human-Centered Error Messaging

What it means: Errors are inevitable in financial apps. What matters is how gracefully the app design communicates them with clarity.

 

A key part of solving the banking usability struggle lies in how fintech apps communicate and recover from errors – as this will significantly impact user retention and trust.

 

Fintech UX/UI Design Best Practices:

 

• Use plain language and avoid technical jargon. Eg. Replace “authentication failure” with “We couldn’t verify your ID. Try uploading again.”
• Provide clear recovery options, such as “Try Again” or “Contact Support,” directly within error messages.
• Embed quick access to FAQs for self-guided support.

For example, Robinhood simplifies error messages with plain English and integrates quick action buttons to help users resolve issues without leaving the screen.

 

5. Prioritize Micro-Interactions for Trust

What it means: Financial actions can be stressful. Small UI touches, like animations or micro-interactions, can reinforce that a user’s action was successful, especially critical for financial tasks.

 

Fintech UX/UI Design Best Practices:

 

• Show real-time loading indicators during money transfers that confirm a transaction is in progress.
• Use haptic feedback for completed payments.
• Provide instant confirmations via toast notifications or banners.
• Offer instant transaction summaries, not hidden in a tab.

For example, Revolut Singapore, a finance app, enhances trust during money transfers with real-time animations and instant toast notifications that confirm every step of the transaction. Users also receive on-screen summaries immediately after payment—no digging required.

 

6. Reassure Users with Invisible Security Features

What it means: Security in fintech app design should be present without feeling intrusive. When done right, it makes users feel protected without feeling anxiety or noticing unnecessary friction.

 

Invisible security is one of the best fintech user experience practices and highly critical in areas like digital banking, where trust is built through silent protection.

 

Fintech UX/UI Design Best Practices:

 

• Let users see last login details and device activity — this builds control.
• Use biometric verification for high-risk actions, for instance, like adding a new payee.
• Send real-time alerts for unusual activities or new logins with options to lock accounts instantly.
• Provide subtle reassurance with icons, such as padlocks or badges, rather than disruptive popups.
• Use behavioral biometrics to detect fraud silently, such as tracking how a user types, swipes, or holds their device, without disrupting their experience.

For example, Stripe, a financial firm in the US, leverages Stripe Radar – a fraud detection system that uses invisible machine learning-based risk analysis to detect fraud in the background, allowing seamless checkout for trusted users.

 

7. Enable Dark Mode & Accessibility Defaults

What it means: Fintech apps must be usable by everyone, including users with impairments or non-standard preferences. Ensure your fintech app UI supports accessibility defaults

 

Fintech UX/UI Design Best Practices:

 

• Offer dark mode options to reduce eye strain, especially in low-light environments.
• Ensure tap targets are adequately sized for ease of use on mobile devices.
• Support screen readers and dynamic text scaling to assist users with disabilities.

For example, Grab’s design system supports multi-language localization (Bahasa, Vietnamese, Thai, etc.) and offers high-contrast accessibility features, helping their diverse Southeast Asian user base access financial services comfortably.

 

8. Send Context-Aware Push Notifications

What it means: In-app Notifications in fintech should be timely, relevant, and provide value without overwhelming the user.

 

Fintech UX/UI Design Best Practices:

 

• Send event-triggered alerts, such as reminders for upcoming payments or low balances.
• Include actionable options within notifications, like “Pay Now” or “Snooze Reminder.”
• Allow users to customize notification preferences, including frequency and types of alerts.

For Example, Chime Bank (USA) uses transaction-based alerts and goal-based savings milestones to keep users engaged without overwhelming them.

 

9. Leverage AI in Fintech UX

What it means: AI is no longer optional in fintech—it’s foundational. From tailored financial advice to background fraud detection – AI features in banking & fintech can power smarter, safer user experiences.

 

Fintech UX/UI Design Best Practices:

 

• Generate real-time financial summaries and future projections (“You’re on track to reach your savings goal”).
• Automate nudges for actions: bill payments, portfolio rebalancing, or goal tracking.
• Power dashboards, alerts, and search with AI to simplify decision-making.
• Use AI to enhance invisible security—monitor user behavior, detect anomalies, and trigger proactive fraud alerts without manual intervention.

For example, DBS Bank’s digibank integrates AI across user journeys—from dashboard personalization to anomaly detection—helping users stay informed and protected.

 

10. Use Voice & Conversational AI Interfaces

What it means: Chat-based flows are becoming a must-have in modern fintech UI/UX design. Voice and chat interfaces simplify user interactions, especially on mobile. These features reduce cognitive load and help users complete tasks faster.

 

Fintech UX/UI Design Best Practices:

 

• Integrate chat-based flows for common actions like transfers, balance checks, or card blocking.
• Add voice search or commands for key queries—ideal for accessibility or on-the-go users.
• Use AI-powered assistants to guide users through complex tasks like applying for a loan.

For example, Bank of America’s Erica and OCBC’s voice assistant in Singapore both use conversational interfaces to streamline everyday banking.

 

Key Takeaway: Fintech UX Is Your Strategic Differentiator

Designing fintech apps today goes far beyond clean UI or ticking off feature lists.

 

For BFSI and fintech leaders, the real value lies in transforming complex, high-stakes financial tasks into seamless, trustworthy user experiences. This is where fintech UX shifts from being a design layer to becoming a true growth engine.

 

In digital-first markets like Singapore and the U.S., where switching costs are low and user expectations are sky-high, your UX is your competitive moat in fintech app design.

 

Get it right, and you build retention, credibility, and long-term ROI.

 

Get it wrong, and you’ll silently start losing users.

 

At ProCreator, we’re a UI UX design agency that helps SaaS enterprises and fast-scaling fintechs like ZebPay turn UX into a strategic asset and also support fintech app development. With over 8 years of experience and 150+ projects delivered – we build journeys that allow your business to scale in global markets.

 

If you’re ready to future-proof your fintech app, book a UX consult with our team today.

 

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