Latest opinions that Alex Kreger has shared on Finextra

Underestimated Procurement: The Key to Higher Returns in Digital Banking

In the high-stakes race of digital banking and Fintech, one misstep can cost millions in lost customers, brand damage and wasted development. Ironically, that misstep often happens before the project even starts—during procurement. Month after month, the UXDA team meets with banks with grand ambitions to transform their digital products. And somet...

03 March 2025 /retail /devops Innovation in Financial Services

Avoid the Generic Digital Banking UX: How to Stand Out in a White-Label World

What if every car brand sold the exact same vehicle produced in the same factory, just with different logos slapped on the hood? You’d go to different car dealerships and ask yourself: Why pick one over the other they are all the same? While the badge might be different, the car itself would look and drive the same, and consumers would struggle to ...

25 February 2025 /retail /identity Innovation in Financial Services

Why One-Time Digital Banking App Redesigns Fail

A frequent scenario I encounter as a UX expert in the financial sector is this: a financial executive overwhelmed by the digital transformation wave, asks, "How much does it cost to design a mobile banking app?" Underneath this question lies a critical misunderstanding. It’s not just about cost—it’s about creating a continuously evolving...

20 February 2025 /retail /devops Innovation in Financial Services

The Underestimated Role of Digital Brand Identity in Financial Services

Customer-centered product design plays a crucial role in building trust for modern financial companies and banks. Research from Frontiers in Psychology shows that attractive product designs positively impact consumer behavior, making users feel more favorable toward the product and the brand. However, customer trust goes beyond just aesthetics or ...

17 February 2025 /retail /identity Innovation in Financial Services

How Innovation Can Ruin Financial Brands Consistency and Users Trust

Digital transformation and innovation is an ongoing process that is aimed to enhance user experience and streamline banking services. However, if executed poorly, it can have the opposite effect—fragmenting the brand experience and damaging customer trust. Inexperienced implementation can lead to confusion and frustration, causing users to make m...

10 February 2025 /ai /retail Innovation in Financial Services

The Risk of AI-Driven Banking Commoditization

Banks are rushing to integrate AI into their digital ecosystems, promising hyper-personalization, frictionless experiences, and advanced financial guidance. But what if the real consequence of AI adoption is the death of differentiation for banking brands? AI Will Flatten the Competitive Landscape In the near future, the banking industry will unde...

07 February 2025 /ai /retail Artificial Intelligence and Financial Services

Add Dopamine to Your Digital Banking App and Beat the Competition

Today’s Fintech disruptors and neobanks are igniting our brains’ reward centers with flashy visuals, gamified challenges and social interactivity that practically beg us to keep coming back for more. This is the effect of “Dopamine Banking,” where finance meets emotions and entertainment, and every tap of your smartphone is engineered to delight a...

03 February 2025 /retail /startups Innovation in Financial Services

$150M Failure or Foundation: UX Lessons to Learn from Zing’s Shutdown

Despite a significant investment of $150 million in its development, HSBC's international cross-border payments app, Zing, launched in January 2024, is slated for closure. Zing, HSBC's Fintech venture, launched with the ambitious goal of disrupting the international payments market and rivaling established Fintech players like Wise and Revolut. An...

24 January 2025 /retail /startups Banking Strategy, Digital and Transformation

How Financial Brands Can Elevate Their Digital Products Credibility

In the race to innovate, digital services are racing ahead, but trust is often left in the dust. The result? A gap between brands and users that can feel as vast as a canyon. Trust is more than just a checkbox on a digital product brief; it’s the glue that binds users to your brand. Without it, even the flashiest features can feel like empty promi...

20 January 2025 /retail /identity Innovation in Financial Services

Breaking the Mold: Dopamine Design Moves Digital Banking Beyond Wireframes

In the modern digital banking landscape, the bar for user experience (UX) and visual appeal continues to rise. Yet, when we take a critical look at many products in the space, it often seems like financial service designers shipping glorified high-fidelity (hi-fi) wireframes instead of truly refined digital experiences. Banks invest plenty of res...

14 January 2025 /retail /identity Innovation in Financial Services

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Alex Kreger

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Underestimated Procurement: The Key to Higher Returns in Digital Banking

Avoid the Generic Digital Banking UX: How to Stand Out in a White-Label World

Why One-Time Digital Banking App Redesigns Fail

The Underestimated Role of Digital Brand Identity in Financial Services

How Innovation Can Ruin Financial Brands Consistency and Users Trust

The Risk of AI-Driven Banking Commoditization

Add Dopamine to Your Digital Banking App and Beat the Competition

$150M Failure or Foundation: UX Lessons to Learn from Zing’s Shutdown

How Financial Brands Can Elevate Their Digital Products Credibility

Breaking the Mold: Dopamine Design Moves Digital Banking Beyond Wireframes

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