銀行業界におけるUXコンサルタントとフィンテックデザイナーの詳細

Choosing the right fintech designer and UX consultant for a financial company’s digital product is crucial for building a great service and a solid and positive financial brand image. The Pareto principle states that 20% of efforts impact 80% of
success. In terms of digital financial products, actions related to user experience (UX) have the biggest impact and often determine whether a financial service will be demanded by the customers.

Despite the fact that 87% of organisations recognize the importance of customer experience, especially when it comes to building customer loyalty, only 30% of organisations have an executive on the board accountable for customer experience. Most companies
are managing digital experience at a business unit level and don’t have strong teams of experience design specialists to bridge the gap between customer needs and their products, according to Dimension Data.

Fintech デザイナーと金融 UX コンサルタントとは

Fintech designers and financial UX consultants specialize in designing financial technology products and services. They use their expertise in user experience design and user interface (UI) design to create innovative solutions that improve the way people
manage their finances and access financial services. Fintech designers may work on a range of products, including mobile financial apps, personal finance management tools, and online investment platforms. They collaborate with developers, product managers,
and other team members to bring financial product designs to life.

Financial UX designers are different from designers in other industries in that they must have a deep understanding of the financial industry and the specific needs and requirements of financial institutions and their customers. This includes an understanding
of financial concepts and processes, such as payments, loans, and investing, as well as an understanding of relevant regulations and technologies, such as data security and privacy laws, and blockchain and API’s. 

Financial UX designers must also be able to design systems that are easy for customers to use, but also meet the complex and often specialized needs of financial institutions. This may require designing for a wide range of user types, including retail customers,
small business owners, and financial professionals, and being able to create solutions that are suitable for each user group. In addition to these specialized skills and knowledge, financial UX designers should also possess the general skills and competencies
that are common to all UX designers, such as user research and usability testing, design thinking, and prototyping.

Many modern mobile banking, wealthtech, insurance and other financial service design examples are found on Google and Pinterest. Though the visual appearance is important, often these products turn out to be a nightmare for the customers. Due to an over-stylized
UI and complex financial information architecture, users are unable to find the necessary elements and important user scenarios.

In digital financial product design, we can divide fintech designers into two categories─those focused on the artistic side with the goal of making an impression and those who aim for a beautiful design that would meet the user’s needs and be intuitive and
使いやすい。

When it comes to finance, the ability to create an attractive design covers only 1% of the required competence. If you decide to hire designers who do not have enough competence and experience in human-centered fintech design it’s not possible guarantee
great product usability in sync with user expectations and the specifics of the business strategy.

Here’s an example from UXDA’s experience. A huge insurance company requested a redesign of a recently launched product. They had hired seemingly talented designers with track records in multiple domains and spent a great deal of money on creating a fancy
product that turned out to be unusable. These creative designers had made a beautiful flow with tons of pleasing illustrations and animations but it was overwhelming and distracting. From the user point of view, the process of getting insurance was a nightmare.
We were forced to start with user research in order to create an intuitive information architecture and to ensure that all flows are aligned with the user’s needs. In the end, we crafted an inspiring design that was attractive and easy to use.

To avoid this unusable beauty trap when you’re ready to hire designers, it’s handy to explore not only the social profiles of the designers but also the status and essence of their product designs. Are they launched? What are the customer reviews? What kind
of methodology do the designers have? Do they pay enough attention to the research and the engineering phase or go straight to design?

デジタル金融商品またはサービスのフィンテック デザイナーを雇用する際に従うべき手順は次のとおりです。

1. 必要な具体的なスキルと専門知識を特定する

Fintech designers have a wide range of skills and expertise, including UX design, UI design, and knowledge of the financial industry. Identify the specific skills and expertise that are most relevant for your project and look for designers who have those
skills. Do designers have expert publications and case studies that confirm their competence, as well as UX and design awards?

2. 金融業界での経験を持つデザイナーを探す

Fintech designers who have experience and methodology in the financial industry will have a better understanding of the unique challenges and opportunities in this field. This can help them create designs that are specifically tailored to the needs of financial
institutions and their customers. How extensive is their experience of working with complex financial companies that have many stakeholders and requirements, such as banks, for example?

3. デザイナーのポートフォリオと作品サンプルを検討する

A designer’s portfolio and work samples can give you a good idea of their skills and expertise, as well as their design aesthetic and approach to problem-solving. Review these materials carefully to ensure that the designer’s work aligns with your vision
and goals. What financial products did they design, and how unique and innovative are these solutions?

4. ビデオ会議でデザイナーと話す

Meeting designers via video conference can give you a better sense of their personality and communication style. This can help you determine if the designer will be a good fit for your goal and your project. Are they ready to take on any job and promise
whatever you want, or do they approach the task strategically and comprehensively analyzing it based on their experience?

5.レビューをチェックしてください

Read reviews of the designer from previous clients and explore track records. This can give you insight into a designer’s work ethic, reliability, and ability to deliver on their promises. Do these reviews reflect the specifics of the task and design approach,
or is it more of an abstract praise left by friends?

Overall, when hiring fintech designers to create digital financial products and services, it is important to look for individuals who have the relevant skills and expertise, as well as a proven track record of success in the financial industry. By following
these steps, you can find the right designer to help you create innovative and user-friendly digital financial solutions.

金融業界におけるUXデザインの詳細

There are cases in which a financial company decides to hire designers to create a great product, but the end result is far from perfect. This is because even a skilled design specialist might not be able to bring his A-game when it comes to the specifics
of financial services or bank digitalization.

The primary responsibilities of UX consultants and fintech designers in the banking industry include designing and improving the user experience of the bank’s digital products and services, such as its website, mobile app, and online banking platform. This
may involve conducting user research and usability testing to understand how customers use the bank’s digital products and where they encounter difficulties, and then using this information to design solutions that address those issues. 

UX consultants and designers may also be responsible for creating wireframes, prototypes, and high-fidelity mockups to communicate their designs to developers and stakeholders, as well as working with developers to ensure that the final products are implemented
according to the design specifications. Other responsibilities may include staying up-to-date with the latest design trends and best practices, collaborating with cross-functional teams, and participating in design reviews and presentations.

In financial user experience, the smallest mistake can lead to both financial losses and loss of customer loyalty and trust. It’s extremely important to have in-depth knowledge and understanding of the specific financial product and the industry at large.
To work with financial services, it is crucial to have knowledge and experience in the specifics of this complex industry as well as user psychology behind finances.

財務に関する深い知識のないUXデザイナーを雇うことは、経費を削減できる可能性があるため、短期的には成功のように見えるかもしれませんが、最終的には高額なコストが発生する可能性があります。

金融業界における不適切な商品設計の主なリスクは次のとおりです。

• 顧客の喪失。 製品設計が不十分だと顧客エクスペリエンスが低下し、顧客が他の銀行や金融機関に乗り換えてしまう可能性があります。

• 収入の減少。 製品設計が不適切であると、銀行が製品やサービスから収益を上げることがより困難になり、全体的な収益性に影響を与える可能性があります。

• セキュリティ上のリスク。 Poorly designed financial products and services can be more vulnerable to security threats, such as cyber attacks or fraud. This can put customers’ personal and financial information at risk, which can lead to damage to the
  bank’s reputation and legal liabilities.

• 信頼の喪失。商品設計が不適切だと、顧客が銀行を信頼することが難しくなり、銀行全体の評判や新規顧客を引き付ける能力に影響を与える可能性があります。

• 規制の問題。 場合によっては、製品設計が不十分であると、製品やサービスが規制や WCAG などの業界標準に準拠しない結果となり、罰金、訴訟、その他の罰則につながる可能性があります。

Here’s a real-life example. A certain bank had hired UX designers to redesign their mobile financial app as part of the process of the bank digitalization. Shortly after the launch, the bank’s support team received thousands of customer calls with similar
struggles. This was because an “unimportant” detail missed by the designers was actually a major element for service usability.

金融ブランドとその商品の成功は、金融商品、ビジネス戦略、マーケティング、心理学、人間の行動、デジタル テクノロジーの詳細に対する深い理解にかかっています。

デジタルブレークスルーにおけるフィンテックデザイナーの役割

最も熟練した財務設計の専門家であっても、依然として望ましい結果が得られない可能性があります。設計者の知識や技術の影響が製品の表面レベルにとどまると影響力が小さくなるからです。

設計者が製品と設計エクスペリエンスを深いレベルで徹底的に分析できない場合、標準化された非競争的なソリューションが得られる可能性があります。これは、銀行のデジタル化の過程で、いかに退屈なデジタル金融ソリューションが登場するかを説明しています。

It’s important for fintech design specialists to become user-centric facilitators at every level of the company, integrating these values into the company culture and inspiring and coaching the employees to become user advocates who ensure the best possible
customer experience in finance.

金融ビジネスの観点から見ると、従来のデザイナーと比較して、フィンテックに重点を置いたデザイナーを雇用することの主な利点は次のとおりです。

1。 改善された顧客体験

Fintech designers have a deep understanding of user experience (UX) design and user interface (UI) design in the financial domain, which allows them to create financial products and services that are easy to use and intuitive. This can result in a better
overall customer experience and can help banks retain customers and attract new ones. 

2.市場投入までの時間の短縮

Fintech デザイナーは、革新的かつ実現可能な金融商品を作成することに長けており、銀行が従来のデザイナーよりも早く新しい商品やサービスを市場に投入できるようになります。

3. 競争力の向上

Fintech デザイナーは、銀行が業界の最前線にあるデザインを作成するのを支援し、他の金融機関に対する競争力を高めることができます。

4. より大きな成長の可能性

Fintech は急速に成長している分野であり、Fintech デザイナーを雇用することで、銀行が時代の先を行き、新たな成長の機会を活かすことができます。

5. より良いコラボレーション

Fintech デザイナーは、開発者、プロダクト マネージャー、その他のチーム メンバーと緊密に連携することが多く、銀行内のコラボレーションを促進し、イノベーションを推進するのに役立ちます。

6. 効率の向上

Fintech デザイナーは、効率的かつ合理化されたデザインを作成することに熟練しており、銀行のコスト削減と業務全体の改善に役立ちます。

7. 顧客満足度の向上

Fintech デザイナーは、金融機関とその顧客のニーズに合わせて特別に調整されたデザインを作成することに重点を置いており、これによりより高いレベルの顧客満足度を実現できます。

8. 適応能力の強化

Fintech デザイナーは金融業界の最新テクノロジーやトレンドに精通しており、銀行が市場や顧客のニーズの変化に迅速に適応できるよう支援します。

9. 収益成長の大きな可能性

革新的でユーザーフレンドリーな金融商品やサービスを作成することで、フィンテックデザイナーは銀行がより多くの収益を生み出し、ビジネス目標を達成できるよう支援できます。

The overall success of financial digital products and the financial brand often depends on the actions taken by the UX experts. The decision to hire UX designers hugely impacts the end value the customers will receive, as well as the speed at which the product
実装されます。

To avoid the trap of limiting the power of design in financial products, fintech designers need to have the appropriate influence over the company’s inner processes. It’s also crucial that the C-level executives support the designer’s efforts and ensure
the whole team is engaged in the process of user centricity and deliver the best possible experience.

Competent fintech designers are crucial in the banking industry because they are responsible for creating the software and systems that enable banks to provide best financial services to their customers. These systems must be reliable, secure, and easy to
use, as they handle sensitive financial information and transactions. In today’s digital age, a large portion of banking is done online or through mobile apps, so it is essential for fintech designers to create intuitive and user-friendly designs that make
it easy for customers to access and manage their accounts. Additionally, fintech designers must stay up-to-date with the latest technological innovations and industry standards to ensure that the systems they create meet the needs of both banks and their customers.

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• 情報源： https://www.finextra.com/blogposting/25410/specifics-of-ux-consultants-and-fintech-designers-in-the-banking-industry?utm_medium=rssfinextra&utm_source=finextrablogs