01 — Banking, insurance and fintech
Trust, clarity and compliance in digital financial products.
Regulated products, sensitive data and users with low tolerance for error. Design must reduce risk, not add to it.
Industry context
In banking, insurance and fintech, every interaction involves money, identity and regulation. The experience has to be simple for users and defensible under audit.
Regulation as a design requirement
PSD2, KYC/AML, EAA and WCAG stop being checklists and become flow constraints.
Trust over aesthetics
Transparency, predictability and clear feedback matter more than any visual effect.
Legacy and speed
Old core systems limit what is possible — design has to work inside those boundaries.
Key challenges
Patterns we see across digital products in this industry.
- 01
High-drop-off onboarding
Long KYC processes, unclear document requests and validation failures with no recovery path.
- 02
Regulatory complexity in the interface
Mandatory legal information presented in ways that confuse rather than protect.
- 03
Dense, hard-to-read data
Statements, portfolios and risk reports that demand unnecessary cognitive effort.
- 04
Inconsistency across channels
App, web and back-office using different patterns for the same operation.
User needs × Business needs
Better digital products
What users need
- Understand exactly what will happen before confirming
- Recover from errors without losing progress
- Reach critical information in seconds
- Feel their data is secure and under control
What businesses need
- Reduce drop-off in onboarding and conversion
- Cut avoidable support contacts
- Meet accessibility and regulatory requirements
- Scale new products without redesigning everything
Use cases
Areas we can work on. Presented as capabilities, not as delivered projects.
- 01
Digital onboarding and identity verification
- 02
Account, portfolio and investment dashboards
- 03
Payment flows and strong authentication
- 04
Credit and insurance simulators
- 05
Internal back-office platforms
- 06
Multi-brand, multi-channel design systems
How MCD Solutions helps
Every challenge maps to a concrete service.
“We don't know where users abandon onboarding.”
Qualitative and quantitative research to map real friction points.
“Every team designs the same component differently.”
A design system with tokens, components and documented usage rules.
“We need to meet accessibility requirements.”
WCAG 2.2 AA audit, prioritised fixes and criteria embedded in the process.
“We invest in traffic but conversion doesn't follow.”
Behavioural analytics, hypotheses and iterative testing on critical flows.
Relevant insights
Topics we are preparing for this industry.
KYC onboarding: reducing friction without reducing compliance
In preparationDesigning information density in financial products
In preparationAccessibility in digital banking: what the European Accessibility Act changes
In preparation