--- title: "Fintech UX and App Design | Utkarsh Panwar" description: "Fintech UX design from payments and lending work: xPay checkout, FamPay payment errors and vouchers, and Bold Finance's gold-loan website and app." url: https://www.utkarshdesign.com/for/fintech author: Utkarsh Dhairya Panwar updated: 2026-10-08 --- # Fintech UX and app design Work · Updated 8 Oct 2026 ![Two FamPay Cashback Store screens in phone frames: a home screen with a 10% cashback Amazon voucher carousel and categories, and a Trending now grid of Amazon, Zomato, Flipkart and PVR vouchers](https://www.utkarshdesign.com/images/RcTGLvs1UsGvtBFVznkprJnaPWw.webp) **In fintech, expensive moments are when money is unclear: a payment that timed out, a rule learned too late, a checkout that needs a salesperson. I've designed for those moments at FamPay (YC S19), xPay (YC W24) and Bold Finance, and each result is a drop in failures or tickets.** ## Trust is decided on the bad screens People don't judge a payments app by its home screen. They judge it the first time a payment hangs and the app says nothing useful. A timeout, a bank decline and a retry are different situations, and the user needs to know which one they're in before tapping Pay again. Rules can do the same damage. At FamPay, one-time vouchers lost their remaining value once partly spent. Users found out at redemption, after the value was gone, and then wrote to support. ## Payments and lending work - ![Fampay - YC S19](https://www.utkarshdesign.com/images/3v4SQHWPQlGJ4IsrLPOcvf2iL0.webp)[Fampay - YC S19](https://www.utkarshdesign.com/work/fampay): Improved voucher UX by making one-time-use rules clear and smoothing Cashback Store experience | Company | What I designed | Result | | --- | --- | --- | | FamPay (YC S19) | One-time voucher rule shown before purchase and again at redemption | 80% fewer voucher support tickets, 20% of support bandwidth freed | | FamPay (YC S19) | iOS payment error states for timeout, bank decline and retry, tested on 15+ screens | 20% less failure-related drop-off, 25% fewer repeated mistakes | | xPay (YC W24) | Checkout UX used in live sales demos | Sales walkthrough time down 30% | | xPay (YC W24) | Reusable UI system of 25+ components | Feature delivery down 35% | | Bold Finance | The website, the app and marketing creatives for a gold-loan business | The company has since closed, so there's nothing live to link to | Bold Finance gave gold loans, and I designed its website, app and marketing creatives. Lending asks for a different kind of clarity than payments: the borrower has to understand what they're agreeing to before handing anything over. Bold Finance has since closed, so I can describe the work but can't show it. ![Three phones: an Amazon voucher screen with a One time use only pill, a This voucher is one time use only confirmation sheet with Proceed, then a payment screen with Pay](https://www.utkarshdesign.com/images/mz7zZ4eRP4xQOjOPJnzA1AOI.webp) _The rule now shows up before the money moves instead of after._ [FamPay case study](https://www.utkarshdesign.com/work/fampay): How the voucher rule was made visible at purchase and redemption, and why two other options were rejected. > Utkarsh brought clarity and structure to our voucher flow. His work reduced confusion and made the experience feel more reliable. > (Esham Hassain, UX Designer, FamPay (YC S19)) ## What I check first in a fintech product - Every failure state, one at a time, and what the user should do next in each. Most apps design the success path plus one generic error. - Any rule that can cost the user money, and whether it appears before they commit. - Support tickets tagged by screen, which are the cheapest research a fintech team already has. - Whether the checkout explains itself without a salesperson or a help article beside it. I leave compliance copy and regulator requirements to your legal team. My part is getting the required words to appear where the decision happens, in language a first-time user can follow. ## Questions people ask ### Have you designed a lending or banking app? Lending, yes: I designed the website and app for Bold Finance, a gold-loan company that has since closed. I haven't designed a bank's core banking app, and I'd say so before scoping one. ### Can you run usability tests on payment flows? Yes. At FamPay I tested 15+ screens of the redesigned payment error states before they shipped. ### Do you design fintech websites too? Yes. I designed Bold Finance's website, and at xPay I restructured 10+ Framer go-to-market pages, which doubled indexed pages. ## Start a project Tell me what you're building and where it's stuck: [book a 30-minute call](https://cal.com/utkarsh-design/30min), email [work@utkarshdesign.com](mailto:work@utkarshdesign.com) or [send a brief](https://www.utkarshdesign.com/contact). ## Related - [Payment failure UX for timeouts, declines and retries](https://www.utkarshdesign.com/guides/payment-failure-ux) - [How to reduce support tickets with UX](https://www.utkarshdesign.com/guides/reduce-support-tickets-with-ux) - [Fampay (YC S19)](https://www.utkarshdesign.com/work/fampay) - [Checkout UX best practices](https://www.utkarshdesign.com/guides/checkout-ux) --- Utkarsh Dhairya Panwar, Founding Product Designer and Design Engineer (IIT Roorkee; Founding Designer at CodeAnt AI, YC W24). Email: work@utkarshdesign.com · Book a call: https://cal.com/utkarsh-design/30min · Hire: https://www.utkarshdesign.com/hire · About: https://www.utkarshdesign.com/llms.txt