银行业用户体验顾问和金融科技设计师的具体情况

银行业用户体验顾问和金融科技设计师的具体情况

时间戳：18年2023月8日凌晨19:XNUMX
源节点： 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.

谁是金融科技设计师和金融用户体验顾问

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
易于使用。

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?

为您的数字金融产品或服务聘请金融科技设计师时应遵循以下步骤：

1. 确定您需要的具体技能和专业知识

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.寻找有金融行业经验的设计师

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.考虑设计师的作品集和工作样本

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.通过视频会议与设计师交谈

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.查看评论

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.

金融行业用户体验设计的细节

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.

由于可以削减开支，聘请没有深入财务知识的用户体验设计师在短期内似乎是一种胜利，但最终可能会产生高昂的成本。

金融行业产品设计不良的主要风险包括：

  • 失去客户。 糟糕的产品设计可能会导致糟糕的客户体验，从而导致客户转向其他银行或金融机构。

  • 收入减少。 糟糕的产品设计会使银行更难从其产品和服务中获得收入，从而影响其整体盈利能力。

  • 安全风险。 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.

  • 失去信任。糟糕的产品设计会使客户难以信任银行，从而影响银行的整体声誉及其吸引新客户的能力。

  • 监管问题。 在某些情况下，不良的产品设计可能会导致产品和服务不符合 WCAG 等法规或行业标准，从而导致罚款、诉讼和其他处罚。

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.

金融品牌及其产品的成功取决于对金融产品、商业策略、营销、心理学、人类行为和数字技术细节的深入了解。

金融科技设计师在数字突破中的作用

即使是最熟练的金融设计专家也可能仍然无法提供预期的结果。这是因为，如果设计师的知识和技能的影响仅限于产品的表面水平，那么其影响力就会降低。

如果设计师无法深入深入地分析产品和设计体验，可能会导致标准化、无竞争力的解决方案。这就解释了银行数字化过程中数字金融解决方案是如何显得乏味的。

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.

从金融企业的角度来看，与传统设计师相比，聘请专注于金融科技的设计师的最大好处是：

1.改善客户体验

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. 更快的上市时间

金融科技设计师擅长创造既创新又可行的金融产品，这可以帮助银行比传统设计师更快地将新产品和服务推向市场。

3. 提高竞争力

金融科技设计师可以帮助银行创造出处于行业前沿的设计，这可以让银行比其他金融机构更具竞争优势。

4. 更大的增长潜力

金融科技是一个快速发展的领域，聘请金融科技设计师可以帮助银行保持领先地位并利用新的增长机会。

5.更好的协作

金融科技设计师经常与开发人员、产品经理和其他团队成员密切合作，这有助于促进银行内部的协作并推动创新。

6. 提高效率

金融科技设计师擅长创造高效、精简的设计，这可以帮助银行降低成本并改善整体运营。

7. 更高的客户满意度

金融科技设计师专注于创建专门针对金融机构及其客户需求的设计，从而提高客户满意度。

8、增强适应能力

金融科技设计师深谙金融行业的最新技术和趋势，可以帮助银行快速适应市场和客户需求的变化。

9、收入增长潜力更大

通过创造创新且用户友好的金融产品和服务，金融科技设计师可以帮助银行创造更多收入并实现其业务目标。

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
将实施。

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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