The Best UX Trends for FinTech and Banking in 2022

The banking industry is at the forefront of embracing digital services. The traditional modes of doing business are long gone as modern tech experts use digital tools to offer top-tier services. Today, technology shapes the financial sector by focusing on improving customer experiences. Statistics reveal that over 90% of global users access bank services through a mobile app. The major reasons for such a massive transition are efficiency, convenience, and great user experiences.

We can’t fail to mention the role of UX design in the success of FinTech companies. Users prefer to use an app or website with a seamless experience. People are busy, and interacting with a poorly designed product is bad for business. Customers can switch to another efficient bank with exceptional products without thinking twice. 

In a competitive industry, FinTech companies need to keep up with emerging UX trends to offer customers the best services. Thus, a bank may opt to hire the best UX designers who can create an interactive banking app design for customers.

With a huge market potential, the FinTech industry can implement the best trends to enhance user experiences. Let us explore some of the UX trends that are shaping the banking industry in 2022.

What is FinTech Design?

Before we look into the trends, you need to understand the terminology. FinTech is a combination of the words’ finance’ and ‘technology.’ So, it is an industry that facilitates financial service provision to customers using technology. FinTech is a modern approach to financial management. In a nutshell, high-tech innovations offer users a front-row seat in controlling their financial outcomes.

Most banks use FinTech to provide seamless service delivery today. That is why impressive FinTech app designs are in demand and capture the masses, enjoying quick adoption. 

Skilled experts build secure and intuitive FinTech applications to meet customers’ needs and achieve business goals. So, the demand for such applications has set remarkable UX trends in the banking industry.

Top UX Trends You Can’t Ignore in 2022


Mobile technology is one of the largest industries globally. Most people own a smartphone today, and it is becoming an indispensable device for a broad range of operations, including financial management. No one wants to waste time queuing for banking services when a mobile app can do the work in a few seconds. You can easily access your bank account and transact within the confines of your home or office through an app. Besides, you can invest, pay utility bills, and manage your money conveniently.

Customers have become more demanding and can abandon a bank without an innovative, feature-rich app. Thus, banks strive to create functional and smooth user experiences through mobile-friendly FinTech-powered apps. As a result, mobile-friendliness tops the list of current UX trends with an impact.

Super Apps 

Most banks develop super apps to increase their efficiency and enhance service delivery. A super app is a web product that offers many services through a single platform. It is like a one-stop shop for all your financial needs. Originally, banking apps used to focus on a specific service. Today, you can get a single app with several services integrated into a single, user-friendly UI.

Apart from enhancing customer experiences, super apps help banks collect relevant customer data and lower operational costs. That is why they are a rising trend in the FinTech industry.


You might wonder what gamification has to do with the banking industry. Gamification is achieved when experts incorporate gaming elements into a web product. Modern UX designers have found a way to add exciting gaming features to banking apps. Thus, finance is no longer a boring industry, with gamification elements making the use of financial apps fun and engaging. 

We are not talking about full-blown games in FinTech products. Money management is a sensitive affair, so designers include features that can influence positive behaviours in users. For instance, you can get a reward system for saving, referring new customers, or hitting spending targets. Each bank has a set of special incentives to make its app more entertaining using gamification technology. Ultimately, implementing gamification trends helps banks to attract and retain customers.


Most banking trends are user-oriented, and personalization is not an exception. Customers want to feel valued and appreciated by their banks. Thus, personalized service is a refreshing approach that guarantees delightful customer experiences. 

Research shows that banks offering tailored UX services are more approachable and likeable by customers. For example, some apps have interesting user interface elements that allow customers to update their profiles with a personal touch. The experience is almost the same as visiting a bank branch personally.

All in all, personalization is among the best trends propelling the banking industry positively. To achieve a high degree of personalized service, UX designers must conduct extensive research to learn user behaviour and get feedback on how they can customize the app’s UI.

UX Trends for banking

Data Visualization

Most customers want to know how they are spending their money. So, each financial transaction matters. But financial jargon and complex spreadsheets are not a cup of tea for many people. Giving customers pure numbers is not a good idea because it might trigger stress and confusion. So, data visualization is a game changer in the banking industry. It presents the financial stats in a comprehensible, simplified manner to enhance user understanding. 

Thus, UX professionals can now help you track your finances and offer predictive visualization through clear visuals. Such analytical data gives customers an insight into their financial behavior, improving their financial management skills and increasing their satisfaction with FinTech apps.

Artificial Intelligence

Many banks are also adopting AI to improve customer services. Artificial intelligence is a technology that uses smart machines to perform human tasks. Today, most banking apps have AI-powered tools integrated into their systems. For instance, chatbots and virtual assistants are common in websites and apps. The bots assist customers when they have inquiries or face issues when interacting with web products. Moreover, there are AI algorithms that help banks to detect fraudulent transactions and flag suspicious accounts. Thus, AI is a leading trend that improves customer service quality immensely.


Banks and FinTech companies are embracing the importance of UX design in business. The financial industry is quite competitive, and many banks create innovative products to retain customers and raise their satisfaction. Thus, embracing modern UX trends is essential to make your app competitive and appealing to target users.

Nethra Gupta
Nethra Gupta
Nethra Gupta, with a Master’s in Tech and Digital Media, she's an expert in the latest tech trends and social media. Recognized in tech forums Nethra is known for her reliable insights. When offline, she loves digital art and gaming.


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