Customer experience designed for regulated reality.
- Product Strategy
- UX
- Research
- Prototyping
- Design Systems
Product design & UX for financial services
Design financial products around how customers actually use them.
We design customer journeys, interfaces and digital product experiences for banking, fintech and insurance - around real user needs, regulatory constraints and the technology that has to support them.
50+ designed platforms
Designed platforms delivered across complex digital products50+
Financial institutions connected through one digital lending platform25+
Customer growth in the launch year of a new mobile banking experience+20%
Key challenges
Where financial product experience breaks down - and how we fix it.
Good UX in financial services has to work across customer expectations, regulation, security, business rules and the systems underneath. Ignoring any one of them usually creates friction somewhere else.
Complex products create complex journeys
Financial products often ask customers to understand decisions, data and terminology that make sense internally but not necessarily to the person using the product.
Compliance gets added too late
Legal disclosures, consent, accessibility, authentication and security controls are often layered onto an experience after the main journey has already been designed.
Product and engineering drift apart
A polished prototype can fail quickly when backend dependencies, identity flows or platform limitations appear during implementation.
Existing products accumulate UX debt
Years of feature additions create inconsistent patterns, duplicated flows and interfaces that no longer reflect how customers actually use the product.
Cross-channel experiences lose consistency
Web, mobile and internal tools often evolve independently, creating different interaction patterns and duplicated design effort.
Internal assumptions replace customer evidence
Teams make product decisions based on stakeholder preference rather than tested customer behaviour.
Design for delivery
A great prototype is not enough.
One experience that works for the customer and the organisation behind it.
Customer perspective
Needs · Behaviour · Clarity · Trust · Accessibility
01
Business perspective
Conversion · Product goals · Regulation · Operations · Priorities
02
Technology perspective
Platforms · Integrations · Identity · Data · Delivery constraints
03
Let's talk design
Is the experience the problem, or is something underneath causing it?
Whether you're designing a new journey, modernising an existing product or trying to understand why customers struggle with a current flow, we can help identify the right place to start.
Our process
From product uncertainty to an experience ready for delivery.
We adapt the process to the maturity of your product - from early discovery to optimisation of a live digital channel.
Case studies
Customer experiences that made it into production.
See how we've turned complex financial journeys into digital products used in real regulated environments.
Bancovo Fintech · Lending
Connecting 25+ financial institutions in one lending platform
A scalable fintech ecosystem built on 100+ microservices and complex financial integrations.
Read more about Connecting 25+ financial institutions in one lending platform
POP Pankki Banking · Mobile
Building a mobile bank from scratch
A new digital banking experience supporting customer growth and a broader transformation of the bank.
Read more about Building a mobile bank from scratch
Payr Fintech
A mobile app with bill payments
The product facilitates bill payments in the Scandinavian countries through a UX-friendly interface.
Read more about A mobile app with bill payments
Paytree Fintech · Payments
Building a BNPL service from the ground up
Frontend and backend delivery for a complete deferred payments platform integrating 19 suppliers.
Read more about Building a BNPL service from the ground up
We were impressed by Speednet's ability to comprehend the exact skill set required for our project and quickly assembled a team of specialists who were ready to hit the ground running.
Design as a delivery system
Product experience is shaped by more than the interface.
In financial services, customer experience emerges from the interaction between product decisions, systems, regulation and operations. Good design helps those parts work together instead of hiding their complexity behind another screen.
Journey design shapes operational complexity
A customer flow can reduce manual handling, support burden and exceptions - or create more of them.
Design decisions affect engineering cost
Reusable patterns and clear interaction logic reduce duplicated implementation and inconsistent behaviour.
Accessibility improves the whole product
Accessibility requirements encourage clarity, consistency and better interaction patterns that benefit more than the users they are designed to support.
Design systems create delivery leverage
A well-maintained system of components, tokens and patterns lets product teams evolve faster without redesigning the same decisions repeatedly.
AI-assisted product design
Use AI to accelerate design work without outsourcing product judgment.
AI can support research synthesis, content exploration, documentation and repetitive design tasks. In regulated environments, we use it selectively and with human review so speed does not replace customer understanding or accountability.
AI can support research synthesis, content exploration, documentation and repetitive design tasks. In regulated environments, we use it selectively and with human review so speed does not replace customer understanding or accountability.
Research & synthesis
Patterns · Feedback · Documentation
Design operations
Content · Variants · Repetitive work
Delivery alignment
Design systems · Engineering context · Documentation
Featured insight
Research and practical thinking for digital product leaders.
Product design insights
Ideas for designing, validating and scaling better financial experiences.
Read more about A Step-by-Step Guide to Designing Mobile Applications in BankingArticle • Reading 6 mins
A Step-by-Step Guide to Designing Mobile Applications in Banking
Read more about WCAG standards: why use them in IT projects?Article • Reading 4 mins
WCAG standards: why use them in IT projects?
Read more about Product Design Process: 5 steps, 4 failures, and 3 benefitsArticle • Reading 7 mins
Product Design Process: 5 steps, 4 failures, and 3 benefits
FAQ
Frequently asked questions about Product Design & UX for financial services
What does your Product Design & UX service include?
We support product strategy, discovery, customer journey design, UX audits, research, prototyping, usability testing, accessibility and design systems. We can work on one specific journey or support the full product lifecycle.
Do you only design new products?
No. We also audit and modernise existing digital products, identify friction in current journeys and improve selected areas without requiring a complete redesign.
Can you work with our existing product and design team?
Yes. We can embed individual specialists, provide a dedicated design capability or work alongside your product, engineering, compliance and research teams.
Do you test designs with real users?
Yes. Where the engagement requires it, we use interviews, prototypes and usability testing to validate assumptions before they become implementation decisions.
How do you approach design in regulated environments?
We include requirements such as authentication, disclosure, accessibility, sensitive data handling and internal governance in the design process rather than adding them after the customer journey is complete.
Do you support accessibility?
Yes. Accessibility can be included from research and interaction design through design-system components, documentation and validation against applicable accessibility standards.
Can you create or modernise a design system?
Yes. We design reusable component libraries, patterns and tokens that can support web, native mobile and cross-platform products while improving consistency between design and engineering.
Can you help with customer journeys across both web and mobile?
Yes. We design omnichannel and cross-platform journeys and consider how the experience should remain consistent while respecting the differences between platforms.
Do your designers work directly with developers?
Yes. Our design teams work closely with engineering because feasibility, integrations, security and platform behaviour often influence the final experience. Where needed, Speednet can continue from design into implementation.
How do you use AI in product design?
AI can support selected activities such as research synthesis, documentation, content exploration and repetitive design work. We retain human review and product judgment, particularly in regulated and customer-sensitive journeys.
How is Product Design & UX different from Product & Technology Consulting?
Product Design & UX goes deeper into the customer experience: journeys, interfaces, research, validation and design systems. Product & Technology Consulting brings those questions together with broader architecture, modernisation and technology decisions.
Let's talk product design
What customer journey needs to work better?
Tell us what you're designing, modernising or trying to improve. We'll connect you with a Speednet product design expert who can help turn the challenge into an experience your customers can use and your teams can deliver.