You can tell in seconds, some fintech products click. Why?
They look good, feel considered, give a sense of control. What you’re seeing is design doing the heavy lifting.
To their detriment, most startups don’t treat design like a real business lever. Instead, they might think of it as a coat of paint to add once the product works.
But great fintech products aren’t painted. They’re designed and built from the inside out. Every front-end element: spacing, animation, colour, copy, tone, works to build utility and inspires emotional confidence. That confidence is what keeps users moving,
trusting, and coming back.
Design decisions are business decisions. Ignore them, and you leave money on the table.
Fintechs should feel like music software
A great strategy would be to borrow from apps like Apple Music and Spotify, not in terms of features, but in feel. Those apps are highly emotional products. They’re tuned to human behaviour and express personality. That idea matters in fintech more than people
admit.
Personal finance can be stressful and many people don’t enjoy thinking about it. So if you can create a space that feels intuitive, confident and a little bit joyful, you’re going to get ahead. That’s why the best fintechs don’t look like banks, they’re
starting to look more like lifestyle apps you want to spend time in.
Design-first fintechs are surging ahead
Design features are a forever imprint in the product and scale in ways most marketing doesn’t. The strongest consumer fintechs right now such as Revolut, N26 and Wise, have product teams that prioritise design because it drives growth.
They know that if you can make financial tools feel light, modern and emotionally fluent, you gain a level of customer engagement traditional players can’t touch. You also spend less on support, churn less, and get more referrals.
Earning trust
Trust isn’t won by saying “trust me” or showing a padlock icon. You win it when the experience feels like it should. That means a responsive UI. Examples might be a transfer button that animates with just the right delay, or typography that’s readable without
effort.
Don’t design by committee
Finally, if your sign-up form looks like a compliance department built it, it probably was. Most legacy banks ship features. Great fintechs ship experiences. That starts with a small team that cares obsessively about how each part of the product feels, not
just what it does.
I’d go as far as saying: if your founding team doesn’t include someone with a strong design eye, or you’re not bringing in that instinct early, you’re at a disadvantage. It will show. And no amount of after-the-fact polish will fix it.
In conclusion
Most users won’t say why they don’t like your app. They won’t complain about the copywriting or the dropdown spacing, they’ll bounce.
Teams who invest in emotional design, who make things feel smart, fast, easy, and respectful will get a different outcome. Their users are proud to recommend them. And they win market share not by shouting louder, but by being better.
When your product has great design, you start to speak without words, and that’s when users really start to listen.
