Redesigning banking for ease and peace of mind

Inspired by Kaari Saarinen’s remark that “established industries can’t afford to not have great UX,” I took on a personal side project to explore how thoughtful UX refinements alone could improve my most-used banking app, Openbank.

Context

Context

Context

Organization

Personal project

Timelimne

April 2024 (3 days)

Role

Interaction Designer

Scope

UI/UX

Goal

Redesign Openbank’s digital experience to feel clearer and more enjoyable, demonstrating how thoughtful UX refinements can boost clarity and trust—without adding new features or heavy engineering effort.

Outcome

Outcome

Outcome

The power of UX

Digital banking has become commoditized. Traditional banks compete with neo-banks like N26 and Revolut, who are themselves challenged by crypto and investing platforms. With products looking increasingly similar, UX has become the deciding factor for customers.

Process

Process

Process

Defining principles

Due to experience of working at digital bank N26, I was already aware of two core user needs:


Ease of use. Banking tasks often arise during travel, work or social settings. Users should complete them quickly and intuitively, without full attention.


Peace of mind. Banking leaves no room for doubt or error. Interfaces should build trust, prevent mistakes, and make customers feel secure.


From these, I defined three principles to guide my redesign.

Consistent

🧩

Apply clear rules for language, color, and UI elements. Consistency makes the experience easier to learn and more reliable to use.

Consistent

🧩

Apply clear rules for language, color, and UI elements. Consistency makes the experience easier to learn and more reliable to use.

Consistent

🧩

Apply clear rules for language, color, and UI elements. Consistency makes the experience easier to learn and more reliable to use.

Concise

✂️

Use short, meaningful text and surface only essential information. Concision reduces cognitive load and helps users focus on what matters.

Concise

✂️

Use short, meaningful text and surface only essential information. Concision reduces cognitive load and helps users focus on what matters.

Concise

✂️

Use short, meaningful text and surface only essential information. Concision reduces cognitive load and helps users focus on what matters.

Clear

💡

Choose intuitive icons and plain language, with layouts structured by hierarchy. Clarity minimizes doubt and helps users act with certainty.

Clear

💡

Choose intuitive icons and plain language, with layouts structured by hierarchy. Clarity minimizes doubt and helps users act with certainty.

Clear

💡

Choose intuitive icons and plain language, with layouts structured by hierarchy. Clarity minimizes doubt and helps users act with certainty.

Applying principles

After a thorough benchmark and analysis of finance apps, I mapped issues in Openbank’s existing app and explored how to resolve them through the previously defined principles of consistency, clarity, and concise communication.

Copyright © 2026 Julian Kraan. All rights reserved.

Copyright © 2026 Julian Kraan. All rights reserved.

Copyright © 2026 Julian Kraan. All rights reserved.

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