UX strategy
NXT WAVE, Neo Bank Onboarding Experience
A neobank concept designed to offer a simple, secure and trust-centered financial experience.
Context
The project aimed to design a mobile onboarding flow (iOS in this case) that reduced friction, offered flexible registration options and conveyed credibility from the very first interaction.
In other words: a digital banking onboarding that is simple, clear and secure.
The journey
When we think about digital banking, most conversations revolve around security, data and technology. But rarely do we talk about something much more basic: the trust a user needs to hand over their information and believe their money and data will be safe.
That was the starting point for NXT WAVE — a project where I explored how to build a more human and less friction-filled onboarding experience for a mobile neobank.
The premise was simple: “create a fast, clear and reliable flow for new users without sacrificing security.”
Approach
I started with a brief benchmark of the main neobanks: Revolut, Nubank, Monzo and Wise. Here I found a pattern where the most successful flows aren’t the most flashy — they’re the most honest.
They show clear security messages, use approachable language and don’t make users repeat what the app already knows.
From those findings, I defined three login paths:
- OTP (One-Time Password): main flow, fast and secure, ideal for users who prioritize control and immediate validation.
- Google Sign-up: a recognized option that leverages the user’s existing basic information.
- Apple Sign-up: designed for those who value privacy and biometric authentication.
Each flow was designed as an independent experience, adapting microcopy, steps and visuals according to context.
Reducing that emotional load was just as important as optimizing the visual experience.
Users valued small details:
- The ability to choose their registration method.
- The feeling that the system “already knew who they were.”
- And the microcopy that explained why certain information was being requested.
