The Skins Factory is a pioneering force in digital banking and fintech, delivering cutting-edge UX design solutions that enhance user experience. With 25+ years of expertise, we specialize in biller apps, trading marketplace, digital wallets, banking payment platforms and more.
Fintech UI/UX Design Agency
for Digital Banking & Payment Platforms
Fintech UX Design For Products Users Trust With Their Money.
When your banking app, payment platform, crypto product, lending tool, or financial dashboard feels confusing, outdated, or harder to use than it should, users feel it immediately. In fintech, every screen has to build confidence. The Skins Factory designs high-end UI/UX for financial products that need to feel clear, credible, secure, and effortless to use. Allow us to showcase some of our extraordinary work...
Financial products are built to function. The best ones are built to
earn trust.
Most fintech products are not failing because the technology does not
work. They are failing because users hesitate, get confused, lose
trust, or abandon the flow before completing the task. We design UI/UX
for digital banking, payment platforms, lending products,
cryptocurrency apps, dashboards, portals, and financial software,
turning complex financial workflows into product experiences that
feel clear, polished, and built for growth.
Whether you are launching a new financial product, modernizing an established platform, or trying to fix a critical workflow, the right engagement starts with the problem your product team needs solved now. We help fintech companies move from uncertainty and friction to clearer, more usable product experiences.
Turn an early concept, requirements document, or working prototype into a clear, credible product experience ready for development, funding, testing, or launch.
Modernize a financial product that works technically but feels outdated, inconsistent, difficult to navigate, or no longer capable of supporting growth.
Simplify account creation, identity verification, disclosures, and setup flows so more users complete onboarding and reach value faster.
Clarify transfers, bill payments, fees, recipients, transaction timing, confirmations, and recovery states so users can move money with confidence.
Reorganize balances, transactions, alerts, performance data, and analytics around the decisions users need to make instead of displaying everything at once.
Improve clarity, speed, and visual polish without disrupting the familiar workflows existing customers and internal teams rely on.
Create consistent components, forms, tables, transaction states, alerts, and interaction patterns that help product and engineering teams move faster.
Add senior UI/UX design capacity when your internal team is stretched thin, a major launch is approaching, or development is moving faster than design.
Identify usability problems, design debt, workflow friction, and missed opportunities before committing to a larger redesign or product initiative.
Find where users get stuck, misunderstand transaction states, or abandon critical tasks, then redesign those moments around clearer guidance and recovery paths.
Our fintech experience spans large-scale digital banking, consumer payments, biller applications, digital wallets, lending tools, trade finance, cryptocurrency exchanges, and early-stage product concepts. These selected projects show the range of financial products, platforms, workflows, and user experiences we have already designed.
We redesigned ACI Worldwide’s flagship Universal Online Banker across more than 150 browser and mobile screens, including dashboards, customizable navigation, payments, transfers, fraud services, reporting, account activity, approvals, and transaction management.
Explore the Digital Banking PlatformACI Pay reimagines consumer payments across desktop and mobile, guiding users through business search, customer information, payment-method selection, transaction review, terms, confirmation, account connections, and recurring payments.
View the ACI Pay Case StudyWe designed a complete bill-payment application across web and mobile, covering account verification, payments, stored cards and bank accounts, digital wallets, user profiles, transaction states, and a scalable component system in light and dark modes.
Explore the Biller AppHolt Financial combined digital banking, fiat and cryptocurrency exchange, account management, international transfers, payment requests, transactions, verification, security, and multi-currency wallet functionality in one responsive platform.
View the Digital Banking WalletWe redesigned Credibly’s responsive loan calculator to make borrowing scenarios, financing options, payment information, and potential outcomes easier for small-business owners to understand and evaluate.
Explore the Lending ToolCopap’s customer and management portal brought complex supply-chain and trade-finance workflows into a clearer digital experience designed around user flowmaps, operational visibility, customer access, and financial decision-making.
View the Trade Finance PortalHODLIT received a complete mobile UI/UX redesign spanning onboarding, market activity, trading interfaces, cryptocurrency assets, wallet management, navigation, and the high-stakes interactions required by a mobile exchange.
Explore the Cryptocurrency ExchangeThis dark-mode marketplace concept translated an early cryptocurrency business model into a credible trading dashboard, giving stakeholders a tangible product direction before the proposed back-end platform was discontinued.
View the Crypto Marketplace ConceptSelected Work
The experience above shows the range of fintech products we have designed. The featured projects below go deeper into how we approach complex financial workflows, large-scale banking platforms, consumer payments, digital wallets, cryptocurrency products, and responsive financial applications across web and mobile.
Each project demonstrates how The Skins Factory combines product thinking, visual hierarchy, interaction design, and scalable UI systems to make financial software clearer, more credible, and easier to use. For additional work across fintech, SaaS, healthcare, cybersecurity, enterprise software, and more, explore our Main UI/UX Design Portfolio .
Fintech UI/UX Design. Consumer Payment Platform. Web & Mobile.
Redefining Digital Payments: How The Skins Factory Elevated
ACI Worldwide’s Consumer Payment Platform
Global payments leader ACI Worldwide brought The Skins Factory in
to reimagine the UI/UX design of ACI Pay, its next-generation
consumer payment platform. We simplified complex payment workflows
across desktop browser and mobile experiences, covering business
search, customer verification, payment methods, digital wallets,
account connections, transaction review, confirmations, AutoPay,
profile management, and onboarding states. Each area of the product
received its own coordinated color system while remaining part of
one cohesive, scalable interface.
Payment Platform UI/UX Design. Web & Mobile App.
Reimagining Digital Payments Across Web and Mobile: A Payment
Platform UI/UX Case Study by The Skins Factory
Our UI/UX design team redesigned ACI Worldwide’s Biller App,
reimagining the digital payment experience across web and mobile.
This modernized concept blends clean 2D interface design with
tactile, dimensional elements to create a more intuitive and
visually engaging user journey. Each screen, from account
verification, payments, wallets, and user profiles to transaction
completion, emphasizes clarity, trust, and ease of use. The
project also included a complete component-based Design System
created in coordinated light and dark modes.
Cryptocurrency Exchange Mobile App UI/UX Design
Revolutionizing the Mobile Cryptocurrency Experience: A Look at
HODLIT’s UI & UX Redesign
HODLIT, a cryptocurrency exchange platform, approached The Skins
Factory to completely redesign its mobile application’s UI and UX.
We began by rethinking the onboarding experience and improving the
product’s core user flows, navigation, trading interfaces, asset
management, and wallet interactions. The visual design combines
clean 2D structure with subtle neumorphic elements, creating a more
tactile, polished interface while preserving the clarity and trust
required for high-stakes financial interactions.
Supply Chain & Trade Finance Web Application UI/UX Design
Revolutionizing Supply Chain and Trade Finance With Copap’s
Online Customer Portal
Copap, a leading supply chain and trade finance company, selected
The Skins Factory to design its online customer portal and management
platform. We mapped the core user flows and transformed complex
operational and financial workflows into a clearer digital
experience for customers and internal teams. The visual design
combines custom and stock illustrations, bold color, intuitive
navigation, and a distinctive interface language to create a product
that feels approachable without losing the depth required by a
sophisticated B2B financial platform.
Some fintech products need a complete design engagement. Others need senior UI/UX expertise integrated into an active product roadmap. We offer both, so the engagement can match the scope, pace, and stage of your financial product.
Full Engagement
Best for new fintech products, major platform redesigns, legacy banking modernization, complex financial workflows, and complete design-system initiatives. We guide the product from discovery and early concepts through high-fidelity UI/UX design, interactive prototypes, reusable components, and developer-ready source files.
Ongoing Support
Best for ongoing feature design, onboarding and KYC improvements, payment-flow refinement, financial dashboards, UX debt, design-system maintenance, and product teams that need experienced design support without another full-time hire. Priorities can shift as the roadmap evolves, giving your team senior design capacity where it is needed most.
Fintech Product UI/UX Design
Financial products ask users to share sensitive information, connect accounts, move money, and make decisions with real consequences. We design these critical moments to reduce hesitation, prevent avoidable errors, and make every action feel clear, secure, and predictable.
Reduce friction across account creation, KYC, document submission, verification, eligibility, approval, and onboarding states without weakening clarity or trust.
Make connecting banks, cards, digital wallets, and other funding sources feel secure and predictable, with clear guidance, status feedback, and recovery paths.
Design transfers, scheduled payments, AutoPay, payment methods, fees, transaction review, and confirmations around confidence, speed, and clarity.
Turn balances, transactions, performance, risk, account activity, and financial data into interfaces users can scan, understand, and act on quickly.
Create useful recovery experiences for declined payments, failed transfers, verification problems, locked accounts, incomplete workflows, and other high-friction states.
Provide additional clarity around approvals, account access, user roles, security prompts, permission changes, and financial actions that may be difficult to reverse.
We work within the regulatory, security, and operational requirements established by your organization while making the resulting experience easier for customers and internal teams to understand.
Practitioner Perspectives
We don't believe in black-box design. Our fintech UI/UX work is built on 25 years of designing complex, trust-critical software for fintech, healthcare, SaaS, and enterprise teams. Our articles aren't marketing content; they examine the practical design decisions, workflow challenges, design-system requirements, and interface patterns we address in active product engagements. We share them ungated because we believe the best way to demonstrate authority is to show exactly how we solve the hard problems.
Featured Article · 14 min read
More than half of all users abandon fintech applications before onboarding is complete. Not because the product is bad. Not because they changed their mind. Because the first experience told them everything they needed to know about how the company thinks about design.
Users are not dropping off because KYC is hard. They are dropping off because the design made it feel harder than it needed to be. Fixing the front door is a UX problem, and it is exactly the kind of problem we solve on every fintech project we take on.
From the Article
What is a good onboarding completion rate for a fintech app?
There is no single benchmark, because completion depends on how much verification and funding a product requires before a user can do anything useful. A better way to judge your rate is by where users drop, not by an industry average. Map completion stage by stage, identity, funding, first action, and look for the single screen where the biggest cliff happens. That cliff is almost always a design problem you can fix, and moving it lifts the whole funnel more than chasing a generic target number.
Should a fintech app require KYC before or after the first session?
Defer it whenever regulation allows. Let a new user reach a meaningful first action, exploring the product, seeing their dashboard, setting up an account shell, before you ask for identity documents, because motivation to complete verification is highest once someone has felt the value. Front-loading full KYC on a cold user, before they have any reason to trust you with their passport, is where the steepest drop happens. Ask for what you legally must to open the door, and stage the rest to the moment it is actually required.
How many fields is too many on a fintech signup screen?
The count matters less than how many appear at once. A single screen dense with fields reads as work and triggers abandonment, while the same fields split into short, clearly sequenced steps with visible progress feel manageable. The discipline is to ask only what is required to advance to the next step, not everything the system will eventually need. If a field is not blocking the current action, it does not belong on the current screen. Collect it later, in context, when it actually matters.
Featured Article · 12 min read
There is no vertical where design stakes are higher than financial technology. You are asking people to hand over their money, their banking credentials, their investment portfolios, and in some cases their entire financial identity. A poorly designed interface does not just frustrate users. It costs them trust, and in fintech, trust is the product.
After 25 years designing interfaces across banking, payments, digital wallets, and financial services, the best fintech products share a set of principles that go well beyond visual polish. Here is what they get right, and what most still get wrong.
From the Article
How do you design data-dense financial interfaces without overwhelming users?
The benchmark for data-dense financial UI is not a stripped-down consumer app, it is a system where every pixel is accountable and hierarchy is earned by importance rather than decoration. You do not solve density by hiding numbers behind friendly visuals, you solve it by making numbers instantly legible, grouping information by context, and surfacing the right depth for the right user while cutting what they do not need. The goal is not simple or complex. It is legible.
Is friction always bad in fintech UX?
No. In most digital products friction is treated as the enemy, but in fintech some friction is a trust mechanism. A wire transfer confirmation screen with a brief pause and a clear summary is good UX, not bad. The mistake is never friction itself, it is where friction is applied. Slowing users down on high-stakes actions like transfers, account changes, and large purchases is correct. Adding friction to routine tasks like checking a balance or logging in is a failure.
How does color work differently in fintech interfaces?
Color carries more weight in fintech than in almost any other product category. A red badge in a social app is noise, but a red number in a portfolio dashboard is a signal, and often a stressful one. Financial color systems have real meaning and cannot be treated as decoration. The common failure is overcorrecting: in trying to feel safe, products go flat, muted, and forgettable, with no hierarchy and no emphasis where it actually matters. Restraint is not the same as lifeless.
Featured Article · 9 min read
Something is happening in South Florida that most of the design industry has not caught up to yet. Miami has become one of the fastest-growing fintech centers in the Western Hemisphere. The capital is here. The companies are here. The Latin American gateway is here. And all of that growth is creating enormous demand for the one thing the fintech industry chronically underinvests in: good product design.
Every funded fintech startup in the region needs onboarding flows, transaction dashboards, compliance screens, and mobile experiences that build trust. The capital and engineering talent are here. The specialized product design capability to match has not kept pace. That gap is exactly where a studio with decades of fintech experience, already based in the market, comes in.
From the Article
Why is Miami becoming a fintech hub?
Miami has become one of the fastest-growing fintech centers in the Western Hemisphere on the back of three forces arriving at once: capital moving into the region, corporate relocations bringing financial companies south, and its position as the gateway between the United States and Latin America. That combination of money, companies, and cross-border connectivity is generating sustained demand for financial products, and for the design talent capable of building them.
What makes designing for the Latin American market different?
No other U.S. fintech hub has Miami's Latin American corridor, and it creates design problems generalists cannot solve. Products built here often serve multiple countries, languages, currencies, and regulatory environments at once, which affects everything from onboarding and identity verification to number formatting and trust signals. Designing for that reality takes a team that understands the market both literally, in language, and in domain, rather than one retrofitting a single-market product after the fact.
Why work with a South Florida fintech design studio instead of a San Francisco agency?
A South Florida studio that has worked in the market for a quarter century brings the same corridor, the same time zone, and the same understanding of the Latin American opportunity that defines Miami fintech, without San Francisco rates or a remote team several time zones away. The advantage is not just proximity. It is having designed enterprise-grade financial products, like the ACI Worldwide consumer payments platform, built for exactly the cross-border, multi-market complexity this region runs on.
This is a brief list of the clients that have relied on our commitment to excellence for over 25 years. What it doesn't show is how often they've come back after we exceeded their expectations… 60+ projects for Microsoft, 13+ for The Walt Disney Company , 8 for Warner Bros. Entertainment, 7 for Alienware… you get the idea. Repeat business powered solely by word-of-mouth, our ability to set trends, and the strength of our deliverables. While we have worked for some of the world's largest brands, our client list is filled with amazing mid-size companies and extraordinary startups.
We think we're awesome, but don't take our word for it, see what our clients are saying.
"The journey and ultimately the results of their work provided us what we were looking to achieve."
ThyssenKrupp Elevator Americas
"Reaction from clients has been tremendous; many existing customers want to upgrade."
Missy Rose
Principal Product Manager, ACI Worldwide Universal Payments
"We are extremely happy with the new look and functionality. Skins did a great job."
James Christopher Roe
CTO, EDLY
"We spoke with a dozen companies before selecting The Skins Factory. We had a great experience."
David Anderson
CEO, LionDesk
"The Skins Factory's design work was a breath of fresh air. We found it outstanding."
Matthew Caballero
VP of Risk Management, COPAP
"They don't just do what we tell them. Instead, they suggest ways to make things better."
Souren Ohanian
Co-Founder, GameIn
"The design they delivered was incredibly well done; it was visually awesome."
VP Product & Analytics, Healthcare Platform
"They were accessible, and their work was good."
Founder, Cryptocurrency App
"The Skins Factory valued our goals, and that was apparent in the quality of work they delivered."
VP of Risk Management, Supply Chain & Trade Finance Company
"The range of UI/UX work they have done and the companies they have designed things for - very impressive."
Software Development Manager, Healthcare Service Provider
"They know how color, texture, and design aesthetics work together to visually grab the viewer's attention."
Chief Design Officer (CDO), BioMojo LLC
"They delivered a modern and user-friendly platform that is sure to impress our user base."
Developer/Analyst, FleetFusion
Common Questions
Straight answers about designing payment flows people trust, modernizing financial platforms, onboarding and verification, design systems, project scope, and the real fintech products we have designed.
How do you design fintech payment flows that users trust?
Trust in a financial product is built through clear money movement, plain language, visible status, useful confirmation screens, and no surprises after a user commits. We designed ACI Pay, ACI Worldwide's next-generation consumer payment platform, across desktop browser and mobile experiences, simplifying complex payment workflows while keeping every action predictable. People are more comfortable moving money when they can see exactly what will happen next.
What makes fintech UX different from designing a normal app?
Fintech products handle sensitive financial information and actions with real consequences. Poor UX can lead directly to abandoned onboarding, failed transactions, support requests, and lost confidence. The work may involve identity verification, funding, account linking, money movement, approvals, permissions, disclosures, and irreversible actions that most consumer applications never encounter. Those constraints have to shape the experience from the beginning.
How do you handle onboarding and identity verification without losing users?
We break long onboarding, KYC, verification, and funding workflows into understandable stages. Each request for sensitive information should explain what is needed, why it is needed, and what happens next. Progress, saved state, validation, document status, errors, and recovery paths should remain visible so users never feel trapped inside an unexplained process.
Can you redesign an existing fintech platform without starting over?
Yes. Most redesigns should not begin by discarding everything that already exists. We audit the current interface, workflows, user roles, design system, data states, and technical constraints to identify what should remain, what needs refinement, and what requires structural change. The redesign can then be phased around the product roadmap rather than forcing the organization into an unnecessary rebuild.
Can you modernize legacy banking and payment software?
Yes. Legacy financial platforms often contain valuable functionality buried beneath outdated navigation, fragmented workflows, inconsistent components, and years of accumulated UX debt. We map how the system actually works before restructuring the experience, allowing the product to become clearer and more modern without ignoring the operational complexity underneath it.
Can you work within our compliance, security, and regulatory requirements?
Yes. Your legal, compliance, security, and operational teams establish the requirements. We translate those requirements into understandable user flows, disclosures, permissions, confirmations, error states, and interface patterns. The goal is not to hide necessary controls, but to present them in a way that users can understand without weakening the safeguards your organization requires.
Can you create or repair a fintech design system?
Yes. We create component-based design systems for complex financial products and can also audit an existing system that has become incomplete or inconsistent. That work may include navigation, forms, tables, charts, transaction states, validation, permissions, alerts, empty states, responsive behavior, light and dark modes, and the documentation needed to keep product and engineering teams aligned.
What determines the cost and timeline of a fintech UI/UX engagement?
Scope depends on the number of workflows, user roles, product states, platforms, integrations, and the condition of the existing interface and design system. A focused feature, onboarding flow, or UX audit may take several weeks. A major financial-platform redesign involving complex workflows, desktop and mobile experiences, prototyping, and a complete design system may take several months. The amount of structural thinking required usually matters more than the raw number of screens.
Have you designed real payment and digital banking platforms?
Yes. We designed ACI Pay, ACI Worldwide's consumer payment platform, across web and mobile experiences. We also designed ACI Worldwide's Universal Banker and payment platform, including approximately 150 screens, along with a Biller App, digital wallet experiences, payment workflows, banking interfaces, and coordinated light and dark design systems.
Can you design cryptocurrency, wallet, and blockchain products?
Yes. We redesigned HODLIT, a mobile cryptocurrency exchange, across onboarding, trading, asset management, and wallet experiences. Crypto products introduce additional challenges involving address accuracy, network selection, irreversible actions, fees, transaction status, and unfamiliar financial concepts. We make the consequence of every action visible before the user commits.
Can you work with our existing product and engineering team?
Yes. We can lead a complete fintech design engagement or work alongside an active product and engineering organization through fractional design support. We collaborate around the existing roadmap, technical constraints, release priorities, and internal review process, delivering prototypes, reusable components, design-system assets, and organized source files that engineers can use.
Have a Fintech Project in Mind? Let's talk.
Thank you for reaching out.
We will be in touch within one business day.
The Skins Factory
The Award-Winning UI/UX Design Agency
We're a top UX design studio based in the Miami/Fort Lauderdale FL area. Reach out today and let's start a discussion.
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