I design fintech onboarding and KYC flows that carry people from first tap to funded account, without losing them in the middle.
0→1credit product designed and launched for Spain
8existing markets informed the design
500ads shipped in waves
Three patterns show up in almost every fintech funnel I have worked on.
Signicat's Battle to Onboard research found 68% of consumers abandoned an onboarding application in the past year, up from 63% in 2020. The screens between ad click and first transaction decide whether your acquisition spend earns anything back.
The check is required by law. The confusion around it is not. In Fenergo's 2024 survey, 67% of banks had lost clients to slow and inefficient onboarding and KYC: the cost of treating a design problem as a legal one.
When Built for Mars opened accounts with 12 UK banks, the challengers were significantly quicker in days and needed less effort in clicks. Your users run that comparison too, one screen at a time.
Onboarding designed from zero, and self-service that carries the load after launch.
I designed Monefit's credit subscription 0-to-1 for Spain: product journey, onboarding, KYC-adjacent flows, dashboard and launch. Onboarding completion improved, with evidence from 8 existing markets informing the work.
A search-first help centre across web and app. Self-service people find before they write in, worth roughly 15% fewer support contacts.
Kaspar is extremely proactive, versatile and always sought feedback on what he could do to improve. His knowledge and understanding in areas beyond design, particularly with regards to business aspects, make him all the more an asset to any company.
Onboarding lessons from regulated flows and the moments where trust breaks.
KYC friction, failed checks and the path to a funded account.
Read note →8 min readDeclines, long reviews and recovery states deserve the first design pass.
Read note →8 min readWhat accessible onboarding and money journeys need to get right.
Read note →Yes. The checks stay, the confusion goes. What changes is sequencing, wording, feedback and recovery when something fails. It matters what you ask when: in Signicat's research, 21% abandoned an application because they had to provide too much personal information.
Asking for everything up front, explaining nothing, and treating a failed check as the end of the conversation. I break the patterns down in what fintech onboarding gets wrong.
Take the free bad-day audit: five questions, a few minutes. It shows where your product hurts when things go wrong, and onboarding is usually the first place it shows.
€300Live product teardown: one critical flow reviewed live, with the main issues and next steps identified together.
from €2,500Focused product project: one journey, launch, audit or product question with a defined outcome and scope.
€5,000 per monthEmbedded design support: ongoing senior product design inside your product and engineering team.
Prices exclude VAT. Scope and fee are agreed before anything begins. See how engagements are structured.
Fifteen minutes, no deck, no discovery workshop to book afterwards.
I look at your product before we talk, so the call opens on specifics instead of background.
I tell you what I would look at first, and say plainly whether this is work I am the right person for.
The approach, the scope and the fee if it makes sense to continue. No obligation either way.
Tell me about your funnel and I will give you an honest read on whether I can help. Not sure yet? Take the free bad-day audit or see how this played out at Monefit.