AI has caused a radical and massive shift in the tech ecosystem, and UI/UX design is no exception. It has improved workflow efficiency and automation but has produced more superficial content with no depth.
But what does all this truly mean for the design industry? To what extent will this insurgence of AI affect businesses and their offerings? Will Artificial Intelligence just be a complementing asset, or will it prove to be capable of mimicking human behaviour?
Introduction to Large Language Models (LLMs) and ChatGPT
Traditionally, there is software that takes input from humans, processes it and produces outputs that we can understand. These software follow certain rigid rules which are limiting. So, language models do what this software can’t do; however, they need more data. A Language Model tries to understand and predict how words are used in human language.
We want to understand the technology behind ChatGPT, Gemini, Claude, etc. If a language model tries to understand human language, imagine what a large language model will do. Let’s compare pots and plates. A language model is a plate, while a large language model is a pot. They both serve as food containers but have different use cases.
Characteristics of LLM
- They train with a large data set of text, images, codes, etc., which helps the language understand complex and difficult human language.
- Because of its large capacity, it can perform related tasks it was not trained for
- It uses a deep learning system.
ChatGPT was built with an LLM by OpenAI to engage in conversational interactions.
Fintech and AI
The primary objective of fintech UI/UX app design is to ease the struggles associated with traditional banking and other financial institutions. Examples of these issues include:
- Generic services
- Lack of personal financial services
- Slow processing of transactions
- Low security etc
AI greatly benefits current UX design by automating repetitive operations, personalising experiences, generating insights, and enabling predictive design. AI can also automate common operations such as analyzing data, A/B testing, and structure changes.
All of these features are what Fintech products need the most!
AI tools deliver useful insights by identifying patterns and developments in user data. This allows them to better understand user demands and increase happiness and engagement.
Artificial intelligence has brought a new design method— more efficient and faster. Analysing large volumes of user data: UX designers no longer need to manually sort through voluminous user research to comprehend how customers behave today.
Metrics to consider when using ChatGPT For Fintech App
When designing, how do you measure your effort? If it aligns with brand goals or business requirements. Now that AI is in the picture, you need metrics that will assess the effectiveness of AI tools.
This will help you understand how to train the AI tools to achieve the desired result.
Task completion rate
This measures the percentage of users who complete a specific task within the app (e.g., transferring funds, opening an account, making a payment). When using ChatGPT-powered features, track if these rates improve or decline. For example, if ChatGPT guides users through a complex form, a higher completion rate would indicate success.
Error rate
How frequently do your users encounter errors when using your product? If you have a high error rate, you should implement AI in your design system. LLM can also help with human oversight and provide clearer instructions or help with filling out forms.
User satisfaction: This is another area you should prioritise when introducing ChatGPT or any AI tools into your design or user workflow. It measures users’ overall satisfaction with the app and its features.
This can be measured through surveys, ratings, and feedback. You can use chatGPT to analyse the UX survey result and even tell it to give strategies to see how it will improve user satisfaction.
Support tickets: A high volume of support tickets means users need external help, maybe because the UX is not intuitive or does not solve their problem. So, you need to find a way to handle the support queries and analyse them.
If you have not tried using AI chatbots, you are missing out on a deal. They can serve as first aid for users’ issues and give you a breakdown of the support tickets based on the algorithm. This will help you know which area needs more focus, efficiency, and innovation.
Once you have implemented the AI Chatbots, compare the difference with when your support ticket was manual. Use A/B testing to compare the performance of users who interact with ChatGPT features versus those who don’t
What you can use instead of ChatGPT
Gemini: It is an LLM created by Google to handle different kinds of data, such as text, videos, images, and even codes. This can be very helpful if you want to analyse data, especially for your fintech app. However, there is no specific emphasis on fintech contexts. Gemini also integrates with Google Cloud services.
Claude AI: Claude was created by anthropic, and its strength lies in it ability to maintain context in extended conversations. It’ll honestly be the best for customer support. It is also designed with a more factual framework, so you can easily use it to generate complex analyses without the fear of generating incorrect or misleading financial advice.
DALL-E: Google also developed this, focusing on generating images. It is limited in use but can still be useful. For example, you may need images for data visualisation or in-app pictures; you only need to describe what you want, and boom, your image!
NotebookLM: Then, there is this, primarily for research. It works well with documents or preexisting research and synthesises information from multiple documents. However, as it was designed for research and analysis, it might fail as a conversational tool. If you have your user or market research, it can help you break it down into actionable steps to improve your product’s UX.
| Model | Strengths | Weaknesses |
| Gemini | Multimodal, Google Cloud integration, strong reasoning potential | Relatively new, limited public information |
| Claude AI | Safety focus, strong long-form conversation, less prone to hallucinations | Limited multimodal capabilities, fewer integrations |
| DALL E | Visualising data, branding/marketing (limited) | Not designed for conversation or financial reasoning, limited direct applicability to core UX |
| NotebookLM | Working with documents, potential for regulatory compliance | Not designed for user interaction, limited direct application to end-user UX |
Why ChatGPT is relevant for Fintech UX?
Financial products and services are typically complex, involving technical jargon and governed by strict regulations. Staying ahead of these problems and guidelines can be time-consuming and daunting.
That’s the price designers pay to provide the perfect UX for users. However, the introduction of AI into the ecosystem is really helpful, and you don’t want to sleep on it as a UX Professional.
Let’s see how ChatGPT can help improve the quality of Fintech services
Ideation and Brainstorming
The UX design process might not be linear, but ideation comes with the package. ChatGPT can be your PA for ideation. Some Fintech design briefs just throw you off balance and would take a lot of back and forths to establish a concrete solution. It could even be that the solution is ubiquitous, and you need something unique.
All you need to do is write your prompt like you are talking to a child, write out your expectations, and let ChatGPT do its magic! Sometimes, you don’t need any prompt engineering; all you need is a simple idea, and you can develop it yourself. Whichever is it that suits you, you are sure to find it in ChatGPT.
Faster User Research
Amongst other tools, ChatGPT can significantly accelerate user research by automating tasks such as generating interview questions, analysing user feedback, and creating user personas. Instead of starting from scratch and wasting much time, you just need to refine the output from chatGPT and go ahead with your users.
It could be pasting a collection of user feedback into ChatGPT and prompting it to “Summarize the key themes and sentiments in this user feedback and to provide a list of features that addresses the sentiments” can quickly provide valuable insights.
ChatGPT will help with faster iteration cycles, quicker validation of design decisions, and a deeper understanding of user needs without extensive time and resource investment.
UX Content Enhacement
Once you open a new page for a project, you can use it until the end, and it keeps the context. Thus, you save yourself time for excessive explanation.
You can just tell chatGPT to write user-friendly or edit your previous microcopy, error messages, tooltips, and any other copy that addresses issues in the user research or the solution you’re going with.
ChatGPT provides consistency in brand voice and tone in all user interactions. Human accuracy and speed might not be enough to help users and address their pain points.
It is Useful for Designing Personalised Experience
ChatGPT can be integrated into your design solution to create more personalised user experiences. You can input the user interactions and activities on the app, and then it gives personal recommendations to the user.
For instance, a budgeting app could provide tips and advice based on a user’s spending habits. It will excite the user to keep engaging with the app and even explore other services to see how they can benefit their financial health.
It Innovates solutions for your design.
There is a difference between innovative ideas and innovative solutions. ChatGPT can do both! An idea will help you get started on designing, while a solution will show you how to solve your user’s needs with the idea.
It could be that you already have an idea and need to infuse it with users’ needs. Say no more! You just need to prompt ChatGPT to give you a unique perspective on differentiating your Fintech product.
UX Problems in Fintech That ChatGPT Can Assist With
Fintechs have industry-specific problems that users struggle with. There is a gap between technology and usability, which manifests as UX and usability issues such as confusing interfaces, complicated processes, and a lack of personalised experience.
Complex Financial Terms
We see a lot of technical terms flying around, and most users barely know what they mean.
Terms like “APR,” “compound interest,” “derivatives,” and “asset allocation” just leave users scratching their heads before they even think of the next step to take. They make the product look intimidating for an average user or like it was created specially for “experienced financial professionals.”
ChatGPT can act as a translator for those technical terms. It can even be a unique value proposition for your product. Include it as a feature, a page or an icon beside those technical terms for users to click on and check for meaning. It alsoe makes the app look more approachable
Lack of accessibility
Many Fintech apps and websites are not designed with accessibility in mind, and this creates barriers for users with disabilities. Some of these issues are screen reader compatibility, insufficient colour contrast, left-hand mode and lack of alternative text for images.
ChatGPT can help with providing alt text for images, providing text descriptions of complex charts and graphs, and ensuring compliance with accessibility guidelines instead of doing it manually. An award for adhering to accessibility and inclusivity guidelines do not only attracts more users to your product but also makes your brand socially responsible.
Lengthy Onboarding
Government policies and restrictions are really affecting many fintech products, so the demands extend to the users. Onboarding is the equivalent of having to deal with many paper works just to get through a deal.
For fintech, It can be either opening a new bank account, creating a an account for a lending tech app, or setting up an investment account. The business needs the KYC details to meet those government requirements. This can be a major source of frustration for users, leading to high drop-off rates.
How about including ChatGPT to help users fill out subsequent forms with existing details? ChatGPT could provide instant answers and even pre-fill certain fields based on previous user information till the account is fully set up and functional.
Security Compliance
Fintech apps handle sensitive financial data, which makes cybersecurity and compliance non-negotiable. It’ll be quite difficult to implement security measures and requirements to users in simple terms to ensure compliance. An average user see cybersecurity as an extra chore.
ChatGPT can be the cybersecurity expert, to give users tips on how to safeguard their accounts or remind them of the security actions they have not taken.
Lack of Proactive Support and Guidance
Users need help from time to time, especially if they are using complex financial processes or understanding specific features within a Fintech app. Traditional customer support channels (e.g., phone and email) might be slow and inefficient.
Support chatbots can run on ChatGPT technology to provide instant and personalised customer support. They handle common inquiries and, if the queries escalate, connect the user to a customer care agent. This allows human agents to focus on more complex issues, and the users are attended to quickly. It is a win-win situation.
15 Ways to Use ChatGPT for Your Fintech Product
Fintech designs usually have a lot of back and forths, and that’s totally fine! That’s the price you pay for your users. But do you have to pay for it all? I mean, when you now have ChatGPT. It is the real boost you need; it is not just for helping you write.
User Research
Research is tedious and time-consuming, it also requires accuracy. Even though UX research requires more human interaction and empathy, ChatGPT can still help with tasks that can be automated.
Market Research: Instead of sitting alone and sifting through dense reports, you can use ChatGPT to quickly summarise the market reports you have. You can even go the extra mile to ask for important trends and generate demographics for the trends.
Ask ChatGPT to provide a list of competitors your product or business would have. Additionally, ask for a short list of the offerings from that competitor in order to validate its response.
Do you want a SWOT analysis of your competitors? Just attach the link to their website and ask ChatGPT to provide the strengths, weaknesses, and unique value propositions of each of the competitors you shortlisted from the answers received from the previous response.
Develop Research Questions: Once you’ve identified your target users, competitors and other background information. It’s about time to start hearing from users, right? So, how do you use ChatGPT on users?
Research questions! The structure of your question determines the value and quality of the information you’ll get from users. If you already have an idea of the question, you can let ChatGPT rephrase your thought process to encapsulate it properly.
Even if you do not know the ideal questions, it can still help you, provided you give it sufficient information.
Instead of just telling your users, “We need to know how you feel about security,”
You can prompt ChatGPT to Develop five open-ended research questions about users’ concerns regarding mobile banking security.” This might give us questions like:
- What are your biggest fears when using mobile banking?
- What measures would make you feel more secure using a mobile banking app?
Develop How We Might: How We Might is a popular ideation technique for getting solutions for the user’s problems. HMW questions frame our design challenges as opportunities to be tapped into.
If our challenge is improving financial literacy among young adults, we could prompt ChatGPT with “Generate 10 ‘How Might We’ questions to improve financial literacy among young adults using a mobile app.”
The result will give you questions you can easily answer depending on your knowledge of the product. E.g.,
- How might we gamify learning about personal finance?
- How might we provide personalised financial advice in a simple and accessible way?
Develop Usability Scripts: Usability scripts help maintain consistency and cohesion to accurately assess how users interact with a product, website, or application. ChatGPT can assist by generating initial drafts of tasks and questions.
UX Design
UX design basically translates all the research into tangible design direction for the UI and visual designers. Let’s see how ChatGPT can help with refining the ideas to properly fit into the user needs.
It gives you a variety of user scenarios: You already have your ideal audience in mind, and you know their pain points, but how do you understand how these pain points fit into their everyday lives?
User scenarios! It puts you into perspective of what their everyday lives look like.
Let ChatGPT help flesh out realistic scenes of their daily interaction so that you can focus on refining the ideas and making them as accurate and empathetic as possible. It gives you options for human interactions since no human experience is the same.
Provides User Stories: User stories add more depth and focus to user needs and help you prioritise features that will meet those needs. ChatGPT can assist in generating user stories based on user scenarios or desired functionalities.
You can have a scenario based on Sarah’s notification about exceeding her spending limit. Your ChatGPT prompt can be something around this:
“Create a user story for Sarah receiving a spending limit notification.”
The user story will then look like
“As Sarah, I want to receive a notification when I exceed my spending limit so that I can be aware of my spending habits and adjust accordingly.”
Accessibility Guidelines: This has become very important in UX Design. ChatGPT can be your partner in ensuring that all accessibility guidelines are strictly adhered to in your product. It will give you quick access to accessibility guidelines and best practices, ensuring our designs are inclusive.
Arranging your Content: You can have perfect UX Copies, animations, videos, etc, but arranging them in a frame will do the work of presenting to your users. If it is arranged, like the fish in a tuna fish can, it has no chance with users.
ChatGPT helps you make sense of all the content you have for your product. It will assist in structuring content and creating intuitive navigation by generating sitemaps user flows and suggesting optimal content hierarchy.
Ask ChatGPT to create a sitemap for your product. Give it the context of all the pages you have planned and features you haven’t decided where to place yet.
UI Design
This is the part of designs users are most likely to interact with. It requires a well-done UX Design and research work for the users to have the best digital experience. White chatGPT won’t connect the pixels to form a full-fledged design; it can bring pieces for you to bring together to achieve your desired result.
Helps with colour Palette: As designers, we all know the basic psychology of colours, e.g blue and white, are mainly associated with trust. Most Fintech products use blue, but how do you find the perfect shade and colour combination to make your design stand out?
Sometimes, the client or brand doesn’t have a colour, and you have to start from scratch. Trial and error with colour pickers would take time, so you can use ChatGPT to explore different palettes based on specific moods or target demographics. Ask ChatGPT to provide some colour palette suggestions for your product.
Typography selection: Typefaces are an important element of brand identity. In the the quest to be unique, you might have to do a lot of research before settling on a typeface. Save yourself and your team time and stress; you can just describe the look you want to achieve and let ChatGPT do the work.
It could also be that you want a font combination that communicates stability and professionalism for a corporate banking app. To this end,you could prompt ChatGPT with “Suggest font pairings for a corporate banking app that convey stability and professionalism, considering both headings and body text.”
It would suggest pairing and explain why these choices work well together. You can then go on to visualise it.
Draft design and brand guidelines: ChatGPT has limitations, like creating designs, but it can help you with the important elements you should include in your brand design guidelines. These include defining brand voice and tone, outlining typography usage rules, and establishing guidelines for microcopy.
This will give you a solid textual foundation we can translate into visual design elements, ensuring consistency between our brand messaging and UI.
UX Writing
This is where ChatGPT has more strength if used properly. UX Writing carries the efforts and solutions of the designers in words, and it is the first stage of interaction with users.
It helps with brand adherence: One of the things that builds trust in FinTech products is their consistency across all touchpoints. Consistency in subtle elements like CTAs, form entries, confirmation copies, etc.
Human errors are bound to happen. You can remove any iota of doubt in the minds of your users if you let your copies through the eagle eyes of ChatGPT.
It can refine your UX Copies: Error messages, tooltips, and onboarding text are critical for a smooth user experience. ChatGPT can help us refine these elements to be clear, concise, and helpful.
For writing actionable CTAs: Are you struggling to get your design to convert? Or maybe your go-to CTA is “BUY NOW”. CTAs are supposed to be persuasive and relevant to the content of the design. ChatGPT will help you turn your “Buy Now into. “Get yours for 10% off only today.”
It gives you various options to choose from and perform A/B Testing. It also explains why each option would be a good fit for the design.
It understands basic SEO principles: The main function of ChatGPT is not SEO but can help with basic SEO activities that can help your design gain more visibility. You can tell ChatGPT to help you with a list of primary and secondary keywords that would rank well in the fintech industry.
7 Tips for Using ChatGPT To Aid UI/UX Design
ChatGPT is most effective when it is used correctly. You can’t just throw a line prompt at it and expect to get a perfect result. Even when you assign tasks to humans, you make sure it is well understood, give timelines, set expectations, tell them deliverables, and much more. How much more ChatGPT?
These seven tips will complement your knowledge of using ChatGPT for design and help you use its full potential.
1. Always give Contexts: 80% of the result you get from ChatGPT is a reflection of your prompt. Do you want a better result? Give it a better prompt! It needs context to generate relevant and useful outputs.
Instead of “Design a CTA button,” try ” You are a designer and you are told to design a primary call-to-action button for a mobile banking app that allows users to transfer funds, what would you write that will convert the user?”
2. Use follow-ups and iterate the prompts: ChatGPT is a conversational tool; treat it like your personal assistant. Give it more chances and information to refine the result until you are satisfied.
Ask for more variation, more perspectives or more use cases. Iteration helps you to fine-tune the results to match your needs perfectly. It also builds the algorithm to serve you better.
3. Build empathy: We all know AI is a robot, so empathy might not come easily. It needs human understanding, and that’s where you need to step in. You can guide it to consider user emotions and needs.
You can prompt ChatGPT to consider the user’s anxiety and stress during an onboarding process. Users don’t know what to expect and are usually concerned about whether the product will serve them well.
4. Prioritise the accuracy of data: One of the main issues of AI is inaccuracy. As much as technologists are trying to tackle that issue, it is belligerent on you as a user to make sure you bypass the inaccuracies by fact-checking.
ChatGPT doesn’t have real-time access to financial information or market data. Always verify any data-related outputs with reliable sources. So you don’t mislead your users.
5. Always validate your design goals: ChatGPT is a tool to help you achieve your design goals, not replace them. Always evaluate its output in the context of your overall design strategy, brand guidelines, and user needs.
If the output does not match your UX Goals and needs, leave it! Start with another prompt or do more research work to know what your users want.
6. Do not over-rely on it: It is easy to get complacent with ChatGPT since it can help with almost all the design processes. This is your cue always to remind yourself that ChatGPT should augment your creativity, critical thinking, and design expertise.
Don’t expect ChatGPT to create a complete UI design from scratch. Use it to generate ideas, refine microcopy, and streamline specific tasks, but always maintain human oversight and control over the design process.
7. Give it a tone and writing style: Just like you give instructions to a human designer, you can guide ChatGPT’s output by specifying the desired tone and writing style.
How To Write Good Prompts for ChatGPT with Examples From Expert UX Professionals.
Now that you know virtually everything about the pros and cons of using ChatGPT for your design process. How do you put the knowledge into practice? Our expert designers have you covered!
Here are the four steps in writing a prompt:
- Assign a role: It will allow the technology to take on the nuances of the role
- Defining the task: It will help ChatGPT focus on a structured and defined output
- Context: To give more understanding and details to make the answer personal
- Specific Instructions: If you want to go beyond a generic and cliche answer, give it extras.
- Doubts: Tell the AI to ask for any information to improve its output.
Prompt 1- A feature list for an itinerary Planning App
Assign a role:
You are an experienced UX designer who specialises in creating feature lists for mobile applications
Defining the task:
Create a feature list for an itinerary planning application that uses AI to create an itinerary based on the destination entered by the user.
Context:
The app will provide an itinerary that will not include hotel and restaurant details since the AI won’t be able to provide that at the moment.
Specific Instructions:
The feature list must include the name of the feature, a description of the feature, and any relevant sub-features.
Doubts:
If you need additional context to provide better output, feel free to ask me questions.
You are an experienced UX designer who has created multiple feature lists for mobile applications. I need you to create a feature list for an itinerary planning mobile application. The application uses AI to generate an ideal itinerary for the user based on the destination entered. Currently, the application doesn’t provide an itinerary that includes hotel and restaurant details since the AI cannot generate that. The created feature list must include the name of the feature, a description of the feature, and any relevant sub-features. In case you need any additional context to provide a good output feel free to ask me.
Prompt 2- Market Research
You are a senior ux researcher working for a design agency, and you have received a new project from https://www.lntrealty.com/. They want to understand what they can do to increase user engagement on the platform and what exactly the users need from the platform. You have to create an approach document outlining all the required details. Also, walk them through your process of creating the approach document; in this specific case, you can include Microsoft clarity analysis and a method.
Prompt 3- Competitive Analysis for an Acting School
You are a market research expert who specialises in conducting competitive analysis. I want you to do a competitive analysis for Actors Truth. Actors Truth is a B2C acting school that offers coaching for people who wish to be actors. Here is the list of competitors – Barry John Acting Studio, Anupam Kher’s Actor Prepares, Roshan Taneja School of Acting, Kishore Namit Kapoor Acting Institute, and Whistling Woods International. I want you to provide the output in the following format: A list of strengths, weaknesses, unique features and key takeaways. If you need additional context to provide a good response, feel free to ask.
Prompt 4- User strategy for ICICI Direct
You are a senior UX researcher working for a design agency, and you have a new project, ICICI Direct. This is the background: ICICI Securities Ltd., a leading financial broking services sector organisation, aims to offer customers a seamless and intuitive experience through its digital platforms. This project aims to conduct in-depth user research to assess and enhance the usability and overall user experience of their digital platforms. The research will focus on understanding customer behaviour, identifying pain points, and providing actionable insights to improve users’ digital journeys.
Limitations of AI in Fintech UX Design
- Inaccuracy: If you read this diligently, you’ll notice that emphasis was laid on fact-checking the output of ChatGPT. The algorithm is getting data from both relevant and (unverified sources). The last thing you want to do is use incorrect or outdated statistics to make decisions.
- Ethical issues: Data privacy is an important ethical issue that has yet to be addressed by LLMs. AI relies on large user data to generate insights we get, so it raises concerns about whether how this data is collected, stored, and used is ethical. These data includes anything you input as a prompt, your account details, etc.
- Lacks Human Connection: AI has its strengths with logical tasks, which also means it fails at emotional tasks. It doesn’t understand how a user feels curious when they experience a new UI/UX feature or what the slang of a specific culture is; ethnographic knowledge is needed for this.
Conclusion
ChatGPT will continue to improve, and as designers, you have to keep yourself in tune with these changes to help you create solutions that are innovative and dynamic. In the next three(3) to five (5) years, users will move on to new wants and desires in a digital product. If your design is still stuck on 2025 style by that time, then you are setting yourself up to be called “old fashion.”
You can not implement the tips in this guide in a day; you need to go over it daily till you master the art of writing prompts that can aid your design process and deliver that seamless experience for your users.
FAQs
1. How can prompt engineering personalise user interactions in a fintech app?
Prompt engineering offers personalisation that provides fine control over how the user interacts with the fintech app. AI can analyse user information, such as financial history and preferences, to deliver personalised help. For instance, if a user wants to buy an investment plan, AI can suggest investment opportunities through prompt engineering to help users on the FinTech app.
2. Can ChatGPT assist beginners with financial literacy through a fintech app?
Yes, ChatGPT can help break down complex financial concepts in a simple way that any beginner can understand. Some people get intimidated by fintech apps because financial jargon and lingo can be difficult to understand. If ChatGPT helps educate people on terms like APR, compound interest, or mutual funds, more people can manage their financial health.
