Financial products are significantly more complex to design than typical digital experiences. A confusing flow can lead to drop-offs, failed KYC verification, or abandoned applications, while a well-designed experience can directly improve activation, retention, and transaction completion.
Because of this, many banks, fintech startups, and digital finance platforms now work with specialized UX design agencies that understand regulatory constraints, complex workflows, and trust-driven user behavior.
In this guide, we compare the top fintech UX design agencies in 2026. Wondering what’s in it for you? Well, here you’ll find agency comparisons, selection criteria, and practical guidance for choosing a fintech UX partner for banking or financial product launches, web or app redesigns, and scaling financial services.
Which are the Best Fintech UX Design Agencies Globally?
1. Onething Design
Onething Design is a global UX design agency and digital transformation partner specializing in complex, high-trust industries, particularly banking, financial services, and insurance (BFSI). The company focuses on improving usability, clarity, and conversion in financial products where users must complete sensitive actions, such as onboarding, verification, investing, or applying for credit.
The primary UX challenges in fintech and banking environments include workflow complexity, regulatory constraints, and trust perception. Onething’s approach is centered on simplifying financial journeys through research-led design and measurable UX outcomes. The team conducts behavioral user research across different user segments and translates insights into structured user journeys, micro-interactions, and clarity-driven interfaces.
The agency works closely with product and compliance teams to design flows that remain usable while meeting regulatory requirements. Its methodology typically includes funnel analysis, usability testing, and iterative optimization, with the goal of improving onboarding completion, product understanding, and transaction success rates.
Across banking and fintech platforms, Onething has worked on investor platforms, loan journeys, and digital banking experiences. Case work includes redesigning multi-product investment interfaces and improving loan application flows, where streamlined journeys reduced completion time and increased application submissions.
Onething Design has collaborated with banks, fintech platforms, and NBFCs, including HDFC Securities, HDFC Tru, RBL Bank, Motilal Oswal, etc., thereby working on platforms involving investing, lending, onboarding, and financial dashboards.
Fintech Specializations
Onething Design primarily works with financial institutions and digital finance platforms across the BFSI ecosystem.
Core fintech UX capabilities of Onething include:
- KYC onboarding and verification flows
- Investment and trading platforms
- Loan and credit application journeys
- Mobile banking, app UI/UX, and web banking experiences
- Wealth management and portfolio dashboards
- Conversion-focused product flows
- Crypto and Web3 interfaces
- Design systems for financial platforms
- AI-driven and next-generation financial interfaces
The company’s work often emphasizes “trust by design,” using clear content, visual feedback, and guided workflows to reduce user hesitation during financial actions such as payments and verification. It also builds UX strategies using behavioral data such as drop-off rates and usage patterns to identify friction points and improve activation and retention.
Onething Design supports a wide range of financial organizations, including banks and neobanks, NBFCs, insurance platforms, and investment or wealth-management products.
Notable Clients
Onething Design has worked with financial institutions, investment platforms, and lending companies across the banking and fintech sector, including:
Its work has included investor experience design, loan onboarding journeys, and digital product UX improvements for regulated financial platforms.
2. UXDA
UXDA is a UX design agency focused exclusively on financial services and fintech products. The company positions itself as a strategic experience partner for banks and fintech institutions. The agency works on defining digital banking experiences at a system level by combining UX strategy, research, and interface design to improve trust, adoption, and long-term brand value.
Fintech Specializations
- Digital banking platforms and mobile banking apps
- Wealth management and investment interfaces
- Payments, wallets, and lending experiences
- Core banking and enterprise financial systems
- Super apps and embedded finance ecosystems
The agency follows its proprietary Digital Experience Branding (DXB) methodology, which integrates UX strategy, research, and large-scale design systems for financial products.
Notable Clients
UXDA has worked with global banks, fintech platforms, and banking technology providers, including:
3. Qubika
Qubika is a digital product development and design company that provides UX/UI design as part of broader product engineering services. Formed through the merger of multiple technology consultancies, the firm works with startups and enterprises to design, build, and scale digital platforms across industries, including fintech.
Fintech Specializations
- Payment and transaction platforms
- Financial data dashboards and analytics tools
- Mobile app UX/UI design
- Product discovery and MVP design
- End-to-end product development
The company commonly supports organizations that require both UX design and technical implementation, particularly early-stage fintech platforms building production-ready products.
Notable Clients
Qubika works with startups, scale-ups, and enterprise companies globally across technology and financial services sectors, including fintech and SaaS product companies.
4. Ungrammary
Ungrammary is a digital product design and UX research agency that works with startups and technology companies to design web and mobile applications. The agency typically operates as a design partner for early-stage and growth-stage products, supporting product discovery, UX strategy, and interaction design.
Fintech Specializations
- UX research and usability testing
- Product discovery and MVP design
- Mobile and web app UX/UI design
- User onboarding and activation flows
- SaaS and fintech product interfaces
This design agency commonly supports startups building new digital products, including financial tools and platforms where early usability validation and iteration are required.
Notable Clients
Ungrammary has collaborated with banks and fintech platforms, including:
- Adani Capital
- Muthoot Finance
- CredFlow
5. Cake&Arrow
Cake & Arrow is a U.S.-based experience design and innovation agency specializing in insurance and financial services. The firm focuses on research-driven, human-centered design to improve how customers buy, manage, and service financial products across digital channels. The company works with insurers, financial planning firms, and fintech organizations to modernize legacy systems, define customer experience strategy, and design digital products that improve usability and engagement.
Fintech Specializations
- Insurance and insurtech digital experiences
- Financial service customer portals
- UX research and customer insights
- CX strategy and service design
- Modernization of legacy platforms
Cake & Arrow typically supports financial organizations undergoing digital transformation or launching new customer-facing platforms.
Notable Clients
The agency has worked with insurance carriers, financial planning firms, and fintech innovators, including organizations such as:
- MetLife Auto & Home
- The Hanover Insurance Group
- Voxsmart Financial
6. Arounda
Arounda is a UI/UX design agency that provides product design services for startups and technology companies building digital platforms. The agency focuses on interface design, usability, and product-led growth, working as a design partner for teams developing web and mobile applications.
Fintech Specializations
- Mobile and web fintech app interfaces
- MVP product design and prototyping
- User flows and interaction design
- Design systems and UI kits
- Dashboard and analytics interfaces
Arounda commonly works with early-stage fintech products that need rapid product design and iteration before full-scale development.
Notable Clients
Arounda works with startups and digital product companies globally across SaaS and fintech categories, primarily supporting product teams building new applications and platforms:
- Astra
- PayPossible
- Advisorworld
7. Selma.Digital
Selma Digital is a New York–based UX design and digital product consultancy that focuses on designing enterprise and fintech digital products using a strategy-led approach. It operates as a boutique team and collaborates closely with stakeholders through research, workshops, prototyping, testing, and iterative design.
Fintech Specializations
- Fintech and enterprise digital product UX
- Product strategy and user research
- Interaction design and UI design
- Financial dashboards and data visualization
- Design systems and branding
The agency is particularly suited for financial platforms and enterprise software undergoing digital transformation or platform modernization.
Notable Clients
Selma Digital has worked with financial and technology organizations, including:
8. Koto
Koto is a global creative and design studio that specializes in strategic branding, digital design, and product experience for ambitious technology and consumer brands. While Koto is best known for brand strategy and digital experience work rather than as a dedicated fintech UX practice, its portfolio includes projects in tech-driven and financial ecosystems where UX and product identity intersect with broader brand experience.
Fintech Specializations
- Brand-led product and experience strategy
- Digital design and UX/UI for web and mobile
- Brand identity systems in technology and fintech categories
- Design systems and interaction design
Koto’s approach integrates brand strategy with experience design, positioning visual and interaction design to support value-driven products, including fintech and technology platforms.
Notable Clients
Koto undertaken notable projects such as creating a refreshed visual identity and experience for Bolt, among others.
9. Momentum Design Lab
Momentum Design Lab (now part of HTEC Group) is a product design and UX research consultancy focused on helping companies define, design, and launch digital products. The firm works at the intersection of strategy, research, product design, and technology, guiding organizations from early product vision to scalable launch.
Fintech Specializations
- Product strategy and UX research for complex platforms
- Investor and trading experience design
- Data-heavy dashboards and decision-support interfaces
- Mobile and web financial applications
- Scalable design systems for enterprise products
The company has worked on financial and investment experiences such as redesigning investor journeys and private market trading platforms.
Notable Clients
Momentum Design Lab’s work portfolio includes organizations such as Nasdaq Private Market and Bitstamp, among others, across the technology and digital product sectors.
10. Clay
Clay is a UX design and branding agency focused on building digital products and brand experiences for technology-driven companies. The studio blends product strategy, behavioral design, and engineering to create scalable web and mobile applications, with a strong presence in fintech and SaaS.
Fintech Specializations
- Digital banking platforms and financial dashboards
- Payments, card-issuing, and financial infrastructure products
- Crypto and Web3 interfaces
- Design systems and enterprise software usability improvements
Clay applies research and behavioral design principles to simplify complex financial workflows and improve adoption across consumer and enterprise financial products.
Notable Clients
Clay has collaborated with global technology and financial brands, including projects and partnerships involving:
How We Evaluated the Fintech UX Design Agencies
Financial products deal with money, regulation, trust, risk perception, and behavioral psychology all at once. A good visual designer is not automatically a good fintech designer.
So instead of judging agencies by portfolio aesthetics alone, we focused on their ability to design high-risk, high-complexity financial experiences that users actually adopt and continue using. We reviewed case studies, product depth, types of financial workflows handled, research maturity, and whether the agency demonstrated measurable product impact rather than only visual improvements.
Here’s the criteria we used to compare and rank the agencies.
1. Fintech Product Experience
We prioritized agencies that have repeatedly worked on real financial products. A true fintech UX partner understands onboarding KYC friction, transaction anxiety, trust building, error tolerance, and financial decision behavior.
Agencies with hands-on experience designing banking apps, investment platforms, lending journeys, or payment products have been ranked significantly higher because fintech UX depends heavily on domain familiarity. Teams that have shipped financial workflows before can anticipate edge cases such as failed payments, account freezes, verification loops, and regulatory disclosures.
2. Complexity Handled
Designing a personal finance tracker is fundamentally different from designing a derivatives trading platform or a credit underwriting journey. We evaluated what level of operational complexity each agency has demonstrated in real deployments.
Higher weight was given to agencies that handled:
- Credit and underwriting flows
- Portfolio and trading interfaces
- Neobank account management
- Insurance policy journeys and claims
- B2B financial dashboards
Complex systems indicate the agency understands multi-step flows, error states, risk communication, and decision-heavy interfaces.
3. Security & Compliance Understanding
Financial UX must communicate safety while complying with regulations. Designers working in this space need familiarity with concepts like KYC, AML, 2FA/MFA, consent flows, disclosures, risk warnings, and data privacy.
We evaluated whether agencies showed an understanding of:
- Verification and identity flows
- Transaction authorization patterns
- Regulatory disclosures without overwhelming users
- Fraud prevention UX patterns
- Trust signaling and reassurance design
An agency’s ability to design compliance-heavy flows without increasing user friction was considered a critical differentiator.
4. Design System Expertise
Fintech platforms evolve continuously with new regulations, new products, and new markets. Without a structured design system, products quickly become inconsistent and hard to scale.
We examined whether agencies help clients build:
- Component libraries
- Accessibility-compliant UI patterns
- Scalable product guidelines
- Cross-platform consistency
- Developer-ready documentation
Strong design system capability signals long-term product thinking. Instead of a one-time redesign, these agencies enable fintech teams to ship faster, maintain usability, and stay consistent as features grow.
Also Read: Top 10 Global Product Design Companies in 2026
What to Look for Specifically in a Fintech UX Design Agency
Selecting a fintech UX design agency requires deeper evaluation than reviewing a portfolio. You can use the following criteria to assess whether an agency can successfully design and scale a financial product.
1. Fintech Experience
Look for agencies that have worked on actual financial products, and not just websites for financial brands. Experience designing banking apps, lending journeys, investment dashboards, payment systems, or insurance portals indicates familiarity with financial user behavior and operational constraints. Here, fintech experience is important because it reduces product risk, as the team already understands onboarding friction, trust formation, and transaction anxiety.
2. Handling Complex Workflows
Financial platforms include multi-step processes such as KYC verification, underwriting, portfolio management, and transaction authorization. A strong agency can simplify complicated flows into clear, guided experiences. Make sure that the agency succeeds at demonstrating structured information architecture, strong error handling, and decision support patterns that help users complete tasks without confusion.
3. Research-Led Design
Fintech UX should be evidence-driven. Agencies should validate decisions using user interviews, usability testing, and journey mapping rather than relying only on visual preferences. Research-led teams design interfaces based on behavior and comprehension, which improves activation and reduces drop-offs.
4. Compliance & Security Awareness
Financial products must communicate safety while meeting regulatory requirements. Agencies should understand identity verification, authentication patterns, consent screens, disclosures, and fraud-prevention interactions.
5. Scalable Design Systems
Fintech products evolve frequently. Agencies should build reusable component systems, accessibility standards, and cross-platform consistency. Design systems enable faster releases, easier feature expansion, and a stable user experience as the product grows.
6. Cross-Team Collaboration
Fintech UX work requires coordination with product managers, engineers, compliance teams, and risk teams. Agencies should operate in structured workflows with clear documentation and development handoffs. Strong collaboration reduces implementation delays and prevents redesign cycles.
7. Global Readiness
For products targeting multiple markets, the agency should account for localization, regional regulations, and trust behavior differences across users. This becomes critical when scaling internationally.
8. Transparent Engagement Process
A mature UX design agency defines discovery phases, deliverables, review cycles, and success metrics upfront. Clear structure reduces project uncertainty and ensures accountability.
Also Read: How to Choose a UX Design Agency in 2026 (+Checklist)
Your UX Design Agency Choice Will Define Your Product’s Future
So… by now, it’s clear that the agencies that succeed in fintech are those that understand both financial behavior and product usability. The right fintech UX design agency helps simplify complex financial processes, align compliance with usability, and translate business goals into user journeys people can actually complete.
Ultimately, successful financial platforms are not defined by how many features they offer but by how confidently users can navigate them. If you are evaluating fintech UX partners and want to discuss your product, workflows, or user challenges in more detail, you can connect with our design experts at Onething Design to explore how user experience can support your product’s growth and adoption.
Let’s design a financial product ready for real-world adoption!