THE ROLE OF UX/UI IN PERCEIVED SECURITY, ENGAGEMENT, AND CUSTOMER RETENTION IN MOBILE BANKING APPS
Опубліковано 30.01.2026
Як цитувати
Завантаження

Ця робота ліцензується відповідно до Creative Commons Attribution-ShareAlike 4.0 International License.
Анотація
This paper examines how UX/UI design in mobile banking apps affects user engagement, conversion, and retention. It reviews academic research and industry case studies (e.g., Monobank, Revolut, N26) across the US, Ukraine, EU, and global markets. Findings show that intuitive interfaces, simplicity, and personalization significantly boost engagement and conversion, while trust signals and gamification improve retention. The study recommends iterative, data-driven UX design and strategic features (e.g. streamlined onboarding, referrals) to maximize customer satisfaction and loyalty.
Посилання
- 1. Basak, S. (2025, May 11). Case Studies of Fintech Startups Transformed Through UX. Ryze Studio. Retrieved from https://ryzedesigns.com/blog/case-studies-of-fintech-startups-transformed-through-ux.
- 2. Branch (Scaduto, E.). (2024, June 11). 3 Proven Strategies to Win and Retain Finance App Users. Branch Blog. Retrieved from https://www.branch.io/resources/blog/3-proven-strategies-to-win-and-retain-finance-app-users.
- 3. Giebe, C., Wohllebe, A., & Guhl, M. (2025). User Engagement in Mobile Banking Apps: A Literature Review of Drivers and Consequences. International Journal of Mobile Applications and Technologies, 1(2). https://doi.org/10.51137/wrp.ijmat.2025.cgut.45846.
- 4. Majumder, A. S. (2025). The Influence of UX Design on User Retention and Conversion Rates in Mobile Apps. arXiv. https://doi.org/10.48550/arXiv.2501.13407.
- 5. Markswebb (2025, October 20). Mobile Web Banking Rank 2025. Markswebb Research. Retrieved from https://markswebb.com/research/mobile-web-banking-rank-2025/.
- 6. Sendbird (2023). Mobile App User Retention Benchmarks by Industry. Retrieved from https://sendbird.com/blog/app-retention-benchmarks-broken-down-by-industry.
- 7. Techved. (2025, March 5). 5 Essential UI/UX Practices for Fintech Companies. Medium. Retrieved from https://techved.medium.com/5-essential-ui-ux-practices-for-fintech-companies-0aeeef5017c7.
- 8. Think with Google (Rogalskiy, A.). (2021, July). From startup to 35% mobile market share in Ukraine: Monobank’s growth tips. Retrieved from https://www.thinkwithgoogle.com/intl/en-emea/future-of-marketing/management-and-culture/fintech-cmo-shares-their-top-growth-tips/.
- 9. World Bank. (2025). Global Findex Database 2025. Retrieved from https://www.worldbank.org/en/publication/globalfindex.
- 10. UXDA. (n.d.). Banking App Design Trends 2025: UX, UI & Mobile Insights. G&Co Agency. (For reference; cited in tech blogs). Retrieved from https://www.g-co.agency/insights/banking-app-design-trends-2025-ux-ui-mobile-insights.
