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New Fintech Designs Driven by Millennials & Gen Z

Paying, saving money, investing – iF awarded banking apps are technology driven and present the newest developments in the financial services sector.

Gone are the days when people received some money as a gift at Christmas and took it to the bank for their savings account – only to wait and see what happened to the money. Meanwhile, millennials and generation Z have come of age – and are changing the game of finance.

For the younger generation, it's not just about making money. It's about creating a lifestyle that allows them to find meaning and purpose. They focus on rather standing for the values behind investment actions, not simply investing. Environmental sustainability, for example, is a trending topic that service designers have recognized as a relevant aspect for successful financial services. What is more, more and more banks support companies targeting environmentally friendly production processes and provide them credits to make it all happen.

iF award-winning designs 2021

This banking app greatly improves user experience and efficiency, such as loan approval speed, risk control, and support. It aims to forming healthy spending and financial habits, making a long-term commitment to grow together with users.
Airstar Bank | Manufacturer: Xiaomi Corp., Beijing, China

This banking app greatly improves user experience and efficiency, such as loan approval speed, risk control, and support. It aims to forming healthy spending and financial habits, making a long-term commitment to grow together with users.

Ministock is a FinTech app allowing to invest fractional shares of overseas stocks. The app's easy-to-navigage UI makes it easy for even a beginner to get involved in global stock trading. Traditional candle charts and stock quotes have been replaced with simple line charts to make the investing experience less intimidating but more informative. Intuitive icons and a navigation menu also provide enhanced accessibility.
ministock | Manufacturer: Korea Investment & Securities Seoul, South Korea

Ministock is a FinTech app allowing to invest fractional shares of overseas stocks. The app's easy-to-navigage UI makes it easy for even a beginner to get involved in global stock trading. Traditional candle charts and stock quotes have been replaced with simple line charts to make the investing experience less intimidating but more informative. Intuitive icons and a navigation menu also provide enhanced accessibility.

This financial app can comprehensively manage disparate financial information across industry and company by linking it via Personal Finance Management. Users can manage information of up to 130 financial companies at once, and receive only optimized information based on personal data.
Liiv Mate | Manufacturer: KB Kookmin Card, Seoul, South Korea

This financial app can comprehensively manage disparate financial information across industry and company by linking it via Personal Finance Management. Users can manage information of up to 130 financial companies at once, and receive only optimized information based on personal data.

This mobile stock trading application was designed with current mobile trends in mind. The app provides not only research information but also an exploratory function that suggests stocks that are worth investing in. Another feature is the AI chatbot function to help our users round the clock.
Mobile stock trading App "Creon" | Manufacturer: Daishin Securities Co., Ltd., Seoul, South Korea

This mobile stock trading application was designed with current mobile trends in mind. The app provides not only research information but also an exploratory function that suggests stocks that are worth investing in. Another feature is the AI chatbot function to help our users round the clock.

In addition to account and payment services within the PSD2 framework, this app offers a real ecosystem focused on aspects that are important to young people: eco-sustainability, personal finances management, social connections, and having everything at hand.
Flowe: better banking, better being | Manufacturer: Flowe, Basiglio, Italy

In addition to account and payment services within the PSD2 framework, this app offers a real ecosystem focused on aspects that are important to young people: eco-sustainability, personal finances management, social connections, and having everything at hand.

Stockbox is a new stock investment platform that makes it easy for people to enter the stock market by utilizing a metaphor of tangible gifts. It also serves as a learning space to help novice investors continue to learn and create their own investment portfolios.
Stockbox | Manufacturer: NH Investment & Securities, Seoul, South Korea

Stockbox is a new stock investment platform that makes it easy for people to enter the stock market by utilizing a metaphor of tangible gifts. It also serves as a learning space to help novice investors continue to learn and create their own investment portfolios.

Combining ASR, NLP, TTS, and Big Data, the AInn financial assistant brings online banking to the next level. It offers three key features: proactive service, timely advice, and smart recommendations. For instance, when a user is hesitant, AInn provides help even before the user asks. What is more, timely guides pop up if a user gets lost in a process.
AI Financial Assistant - AInn | Manufacturer: Ping An Bank Company Ltd., Shenzhen, China

Combining ASR, NLP, TTS, and Big Data, the AInn financial assistant brings online banking to the next level. It offers three key features: proactive service, timely advice, and smart recommendations. For instance, when a user is hesitant, AInn provides help even before the user asks. What is more, timely guides pop up if a user gets lost in a process.

This mobile banking application has approximately more than 500 different functions. The basis for this is formed by an analyzes of the most frequently offered services for bank's customers with low digital familiarity, making it easier to access the most commonly used features and products.
From Garanti BBVA | Manufacturer: Garanti BBVA, Istanbul, Turkey

This mobile banking application has approximately more than 500 different functions. The basis for this is formed by an analyzes of the most frequently offered services for bank's customers with low digital familiarity, making it easier to access the most commonly used features and products.

Unlike other competitors who use cute mascots as their brand identity, this banking app uses Tai Chi as its leitmotif, a black and white semi-circle, which means originating from nature in Chinese. The yellow golden color expresses a delicate, refined atmosphere and creates a personal connection. The app is more than just a financial service, offering the user a pleasant experience and courteous interaction.
Bank SinoPac-DAWHO APP | Manufacturer: Bank SinoPac, Taipei City, Taiwan

Unlike other competitors who use cute mascots as their brand identity, this banking app uses Tai Chi as its leitmotif, a black and white semi-circle, which means originating from nature in Chinese. The yellow golden color expresses a delicate, refined atmosphere and creates a personal connection. The app is more than just a financial service, offering the user a pleasant experience and courteous interaction.

The comdirect app gives users an overview of their financial situation by using smart data algorithms to categorize their earnings and spending and identify hidden costs in their personal spending habits. Users gain transparency about their financial situation so they can achieve more financial autonomy.
o2 Money App | Manufacturer: Commerzbank AG, Quickborn, Germany

The comdirect app gives users an overview of their financial situation by using smart data algorithms to categorize their earnings and spending and identify hidden costs in their personal spending habits. Users gain transparency about their financial situation so they can achieve more financial autonomy.

The app makes an emotional connection with the user through its personas of "Light" and "ORORA," which express feelings and empathize with the user. The app relies on a graphics-based controller for improved accuracy and usability. The knowledge management system optimizes its intelligence through self-learning of existing knowledge so that it is constantly improving.
Shinhan Bank Chatbot ORORA | Manufacturer: SHINHAN BANK, Seoul, South Korea

The app makes an emotional connection with the user through its personas of "Light" and "ORORA," which express feelings and empathize with the user. The app relies on a graphics-based controller for improved accuracy and usability. The knowledge management system optimizes its intelligence through self-learning of existing knowledge so that it is constantly improving.

This online banking service has three key features: self-service, online service, and creative scenarios support. Combining an app, a remote platform, and an offline intelligent terminal, customers can use this self-service anytime, anywhere. The online service provides full life-cycle account services.
Digital Bank - Air Counter | Manufacturer: Ping An Bank Company Ltd., Shenzhen, China

This online banking service has three key features: self-service, online service, and creative scenarios support. Combining an app, a remote platform, and an offline intelligent terminal, customers can use this self-service anytime, anywhere. The online service provides full life-cycle account services.

This banking platform acts as the prime stage for bank employees. The aim is to create a competent sales and productivity instrument that highlights what's significant, enhances the efficiency of the work process, minimizes human blunders, eases performing various tasks and enables joint effort.
Integro | Manufacturer: AKBANK T.A.Ş., İZMİT, Turkey

This banking platform acts as the prime stage for bank employees. The aim is to create a competent sales and productivity instrument that highlights what's significant, enhances the efficiency of the work process, minimizes human blunders, eases performing various tasks and enables joint effort.

Yapı Kredi Mobile offers a simple design to provide a superior customer experience with over 600 transactions, in line with the motto: "Unlimited service".
Yapi Kredi Mobile | Manufacturer: Yapi ve Kredi Bankasi A.S., Istanbul, Turkey

Yapı Kredi Mobile offers a simple design to provide a superior customer experience with over 600 transactions, in line with the motto: "Unlimited service".

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As a result, service designers have started revolutionizing the way people interact with banks and how they invest in their future – by designing apps which are equipped with tools providing help even before the user asks and in which users share their investment experiences. Many of this year’s iF award-winning communication designs in the category "Apps / Software" are a showcase of new and further developments in the financial services sector.    

What seemed like a distant dream is now a reality: Fintech. By definition fintech is working at the forefront of technology, including Natural Language Processing (NLP), Automatic Speech Recognition (ASR), AI financial advisors or a financial chatbot pop up to help make important decisions about finances – to name just a few. One specific habitual component comes in very handy for the designers in the process: lots of young people are digital natives and their willingness to make mobile payments with their smartphones is strong. The Coronavirus pandemic has even reinforced the trend of mobile and contactless payment. Therefore, it is critical for forward-thinking financial services to have an easy-to-use interface and to provide an exciting user experience.

Gold awarded: ALINE / Manufacturer: NH Investment & Securities Seoul, South Korea (see image above) This sustainable investment app is gold awarded matching users with good potential investments that comply both with their investment tendencies and also with their values, such resource management and product responsibility.

Among the many iF award-winning designs are forward-thinking mobile apps like "ALINE" that find clever ways to invest while thinking about sustainable values. "FLOWE" is a similar app that focuses on environmental sustainability in the financial world. "Stockbox" aims to make the stock market more accessible to young people via cleverly constructed investment portfolios. Another very exciting project is "AI Financial Assistant - AInn" which combines technologies such as NLP and ASR to provide the simplest and most straightforward online banking experience to date.

The future of Fintech is a fantastic opportunity for designers to create at the forefront of what is possible with technology today.

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(published in September 2021)


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