은행 업계의 UX 컨설턴트 및 핀테크 디자이너의 세부 사항

은행 업계의 UX 컨설턴트 및 핀테크 디자이너의 세부 사항

타임 스탬프 : 18 년 2023 월 8 일 오전 19:XNUMX
소스 노드 : 3023146

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.

핀테크 디자이너와 금융 UX 컨설턴트는 누구인가요?

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
사용하기 쉬운.

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?

디지털 금융 상품이나 서비스를 위해 핀테크 디자이너를 고용할 때 따라야 할 몇 가지 단계는 다음과 같습니다.

1. 필요한 특정 기술과 전문 지식을 식별하십시오.

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. 금융업계 경험이 있는 디자이너를 찾아보세요

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. 디자이너의 포트폴리오와 작품 샘플을 고려하세요

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. 디자이너와 화상회의를 통해 대화를 나눠보세요

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. 리뷰를 확인하세요

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.

금융산업의 UX 디자인의 특징

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.

금융에 대한 깊은 지식 없이 UX 디자이너를 고용하는 것은 비용 절감 가능성으로 인해 단기적으로는 승리처럼 보일 수도 있지만, 결국에는 높은 비용이 발생할 수도 있습니다.

금융 업계에서 잘못된 제품 설계로 인한 주요 위험은 다음과 같습니다.

  • 고객 손실. 잘못된 제품 디자인은 나쁜 고객 경험으로 이어질 수 있으며, 이로 인해 고객은 다른 은행이나 금융 기관으로 전환하게 될 수 있습니다.

  • 수익 감소. 잘못된 제품 설계로 인해 은행이 제품 및 서비스에서 수익을 창출하기가 더 어려워지고 이는 전체 수익성에 영향을 미칠 수 있습니다.

  • 보안 위험. 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.

  • 신뢰 상실. 잘못된 상품 디자인은 고객이 은행을 신뢰하기 어렵게 만들 수 있으며, 이는 은행의 전반적인 평판과 신규 고객 유치 능력에 영향을 미칠 수 있습니다.

  • 규제 문제. 경우에 따라 잘못된 제품 설계로 인해 WCAG와 같은 규정이나 업계 표준을 준수하지 않는 제품 및 서비스가 발생할 수 있으며, 이로 인해 벌금, 소송 및 기타 처벌이 발생할 수 있습니다.

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.

금융 브랜드와 상품의 성공은 금융 상품, 비즈니스 전략, 마케팅, 심리학, 인간 행동 및 디지털 기술의 세부 사항에 대한 심층적인 이해에 달려 있습니다.

디지털 혁신에서 핀테크 디자이너의 역할

가장 숙련된 재무 설계 전문가라도 여전히 원하는 결과를 얻지 못할 수 있습니다. 디자이너의 지식과 기술의 영향력이 제품의 표면적 수준에 국한되면 영향력이 줄어들기 때문이다.

디자이너가 제품과 디자인 경험을 심층적으로 철저하게 분석할 수 없다면 표준화되고 경쟁력이 없는 솔루션으로 이어질 수 있습니다. 이는 은행 디지털화 과정에서 지루한 디지털 금융 솔루션이 어떻게 나타나는지 설명합니다.

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.

금융 기업의 관점에서 볼 때, 기존 디자이너에 비해 핀테크 중심 디자이너를 고용할 때 얻을 수 있는 가장 큰 이점은 다음과 같습니다.

1. 향상된 고객 경험

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. 시장 출시 시간 단축

핀테크 디자이너는 혁신적이고 실행 가능한 금융 상품을 만드는 데 능숙하며, 이를 통해 은행은 기존 디자이너보다 더 빠르게 새로운 제품과 서비스를 시장에 출시할 수 있습니다.

3. 경쟁력 강화

핀테크 디자이너는 은행이 업계 최고의 디자인을 만들 수 있도록 도와 다른 금융 기관보다 경쟁력을 높일 수 있습니다.

4. 더 큰 성장 잠재력

핀테크는 빠르게 성장하는 분야이며, 핀테크 디자이너를 고용하면 은행이 앞서 나가고 새로운 성장 기회를 활용하는 데 도움이 될 수 있습니다.

5. 더 나은 협업

핀테크 디자이너는 종종 개발자, 제품 관리자 및 기타 팀 구성원과 긴밀하게 협력하여 은행 내에서 협업을 촉진하고 혁신을 주도하는 데 도움을 줄 수 있습니다.

6. 효율성 향상

핀테크 디자이너는 은행이 비용을 절감하고 전반적인 운영을 개선하는 데 도움이 될 수 있는 효율적이고 간소화된 디자인을 만드는 데 능숙합니다.

7. 고객 만족도 향상

핀테크 디자이너는 금융기관과 고객의 요구에 특별히 맞춘 디자인을 만드는 데 중점을 두고 있으며, 이를 통해 고객 만족도를 높일 수 있습니다.

8. 적응력 강화

핀테크 디자이너는 금융산업의 최신 기술과 동향에 정통하여 은행이 시장 변화와 고객 요구 사항에 신속하게 적응할 수 있도록 지원합니다.

9. 수익 성장 가능성이 더 커짐

핀테크 디자이너는 혁신적이고 사용자 친화적인 금융 상품과 서비스를 만들어 은행이 더 많은 수익을 창출하고 비즈니스 목표를 달성하도록 도울 수 있습니다.

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
구현 될 것입니다.

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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