Top 5 Fintech Apps with Best UI UX Designs of 2023

Innovation in financial technologies and the adoption of DeFi (Decentralised Finance) have fuelled a flurry of fintech applications transforming the banking and financial industry. In the last decade, radical changes have happened in how we conduct transactions to how we manage our finances, all thanks to the emergence of digital fintech products. Whether you are looking to conduct secure transactions, invest in stocks or manage your budget, there is no dearth of fintech apps to guide you.

Since fintech products are inherently complex, design plays a crucial role in making these applications simple and intuitive to the user. In this article, I discuss 5 fintech apps of 2023 that caught my eye for their user-friendly interfaces, ease of navigation, and simplicity of usage.

Best Fintech App Designs of 2023

1. StockPe

StockPe, India’s best virtual stock market learning destination, won the international MUSE Awards in 2022 for the best educational app design. Founded by Shubham Rawal, it is a stock market learning mobile app designed by Aufait UX, which brings a refreshing and engaging approach to financial education. StockPe simplifies stock education by leveraging gamification and making learning fun and rewarding. Exceptional features of StockPe that sets it apart from other stock trading learning platforms are

Gamification for engaged learning

To make finance education enjoyable and interactive, StockPe uses a gamified approach. Users can compete with their peers in free and paid tournaments based on live stock market data. The gamification element encourages active participation, and as users implement their knowledge in real-time, they can practice risk-free investment and trading processes.

Dark mode for a gaming experience

To create an immersive and visually appealing experience, StockPe features a dark mode interface. This choice enhances the app’s look and feel, resembling a gaming experience rather than a traditional learning platform.

Beginner friendly design

The complexity of stock and financial markets can be daunting for beginners with no prior finance experience. StockPe, designed with a user-centric approach, addresses this challenge. During the research phase, the app designers identified that typical stock learning courses failed to provide learners with the confidence and practical knowledge to do stock trading. StockPe solved this by incorporating tournaments based on real stock market day, allowing users to compete with their peers and implement their knowledge in real-time.

Bite-sized content for on-the-go learning

Understanding the need for flexibility, StockPe supports on-the-go learning. The app offers bite-sized content such as short videos and quizzes, enabling users to learn at their own pace and convenience. This mobile-first approach ensures that users can access educational resources anytime and from anywhere, facilitating continuous learning.

Reinforcing learning and user retention

The designers of the app have incorporated reward psychology into StockPe’s design to reinforce learning and increase user retention. By earning rewards and recognition for achievements, users feel a sense of accomplishment, which motivates them to continue their educational journey. This approach keeps users engaged, leading to better retention and a positive learning experience.

Aufait UX, the design agency behind StockPe has played a pivotal role in shaping its unique and effective design. With StockPe, users can build their investment skills, gain practical knowledge, and develop confidence in the financial markets.

2. Civex App

Civex app, a fintech company founded by a team of industry experts, aims to enable solo investors by creating a platform that facilitates active participation in proxy voting. It brings together individuals, shareholders, and publicly traded companies to engage in meaningful discussions about crucial matters.

User-Centricity

The app seamlessly blends user-centricity with a visually captivating design using a minimal and modern user interface. The use of negative space and a harmonious color palette makes the app pleasing to interact with. The interplay between the green and orange colors is aesthetically appealing and effectively draws attention to buttons and actions, facilitating effortless navigation. The features are clearly outlined, ensuring intuitive user interaction.

Prioritizing Simplicity

Typically, fintech platforms are complex. Nevertheless, the designers of this app have skillfully addressed this pain point by making simplicity a top priority. Users are provided precisely with what they need, eliminating any confusion stemming from excessive options or functionalities. This commitment to simplicity, however, does not compromise the utility and ease of completing tasks within the app.

SaaS-Styled Illustrations

The Civex app is adorned with captivating SaaS-styled illustrations on nearly every screen. These illustrations serve a dual purpose: they enhance the visual appeal of the app while also reflecting its core values of reliability, trustworthiness, and transparency through cohesive visual language. Such illustrations are essential for any fintech application, as they effectively convey these crucial attributes.

To sum up, the design of the Civex app is a harmonious blend of functionality, user-friendliness, and branding element, making it an eye-catching and intuitive fintech app.

3. iMX app

iMX is a cryptocurrency eWallet available for iOS and Android. The feature-rich app is secure for managing, paying, and exchanging popular digital assets such as Bitcoin, Litecoin, Ethereum, Ripple, and more.

Secure transactions through an intuitive interface

The app’s design emphasizes dependability and trust through its user-friendly interface. The sign-in/log-in screen sets the tone with a distinctive yellow-navy color palette that carries throughout the app.

The registration process is structured into several steps, emphasizing the importance of safety and security. Once users complete the sign-up, they are greeted with a main dashboard showcasing a virtual iMX credit card, their crypto balances, and their equivalent values in their preferred fiat currency.

Easy navigation

The dashboard provides an overview of the user’s assets in each cryptocurrency, offering convenient options like “Scan,” “Balance,” “Receive,” and “Top Up.” The persistent hamburger menu in the top-left corner ensures easy navigation across all screens, while the notification icon in the top-right corner keeps users informed of important updates.

Typography that ensures super readability

A key aspect of iMX’s app design lies in its thoughtful typographic choices. Following the principles of legibility and usability, the app employs a bold sans-serif font consistently throughout its user interface. While seemingly ordinary, this font choice creates a familiar and trustworthy environment for users, contributing to a sense of ease and comfort while handling their finances.

In essence, the iMX app focuses on delivering a secure and user-centric experience. The design combines excellent usability with a contemporary design, leveraging the popular “dark mode” as a foundation.

4. Venmo app

Venmo app is a payment app that allows users to send and receive money from friends and family.

Intuitive, simple, and streamlined UI

The design of the app is a perfect blend of simplicity, cleanliness and modernity.

The interface utilizes ample white space along with Venmo’s iconic light blue color, creating a visually pleasing and organized layout. The app’s design is intuitive, making it easy for users to navigate and find the actions they need.

User-oriented

Designed with users in mind, Venmo revolutionized the way people pay each other back, especially among younger audiences. The app is simple, powerful, and indispensable for many individuals in their 20s. Its user-friendly nature and approachable design make it easy for users to interact with friends and family in fun and playful ways.

Fewer clicks to complete a task

The Venmo app guides users quickly and efficiently through the setting-up process of the app. Completing transactions and requesting money can be done with just a few clicks, and users can add some fun to their interactions by incorporating emojis. Furthermore, users can choose to make their transactions public, allowing them to appear in their friends’ feeds for viewing and responses.

Venmo’s app is highly intuitive, guiding users seamlessly through the available actions and features. It avoids overwhelming users with excessive options or functionalities. The app simplifies the process by allowing users to add friends for easier transactions, pay or request payments, and complete the setup process by connecting a bank account or credit card.

5. Honeydue

The Honeydue app offers a solution to couples who want to manage their financial journey together. The tagline of the app “ Outsmart money, Together” says it all.

Simple and user-friendly

The mobile app design of Honeydue begins with a user-friendly onboarding process that introduces key functions and prompts users to create an account. Users have the option to link their accounts, choosing what information their partner can see.

Minimalistic design

The design aesthetic of the Honeydue app follows a minimalist approach, prioritizing user-friendly access to information. The white background, along with gray and black typography, creates a clean and visually appealing interface. The bold red accent color adds a touch of vibrancy and helps define the overall user experience.

Transparent

In the Balances section of the app, both partners can view checking and credit card balances, allowing them to toggle between personal and joint accounts. This feature provides transparency and a clear overview of their financial situation.

With its emphasis on simplicity and user-friendliness, the Honeydue app provides a practical solution for couples to manage their finances together. By streamlining financial tracking, bill management, and budgeting, Honeydue helps couples to keep track of their shared financial responsibilities.

The crucial role of UI/UX design in fintech apps

A seamless user experience and an intuitive and easy-to-navigate UI are key to attracting customers in the highly competitive fintech domain. Studies show that 56% of consumers under 30 would choose digital banking solutions from tech giants if given an option. This preference stems from the trustworthiness associated with big tech brands like Google and Apple, known for their top-notch UX and UI design.

By adopting a user-centric design approach, these tech giants have established themselves as reliable and trustworthy providers of digital financial solutions. With Apple Pay accounting for 48% of activated users worldwide and Google Pay having over 150 million users across 42 global markets, these digital payment processors have become the go-to choices for consumers, representing approximately 20% of all mobile purchases and serving as secure payment gateways on nearly 800,000 websites. As the fintech industry caters to the digital-native generation, investing in superior UI/UX design remains critical for capturing customer trust, loyalty, and engagement.