UX Research
UX Strategy

We helped OTP Bank understand the mysterious Gen Z.

We held the hands of OTP throughout the creation of a Gen Z customer acquisition platform. Our amazing UI concepts, battle-tested UX consultancy and hand-made prototypes let them set the direction on how to include this unique customer group.

Our involvement

UX research, UX Strategy,
 UI Design, Prototyping


High-fidelity prototypes, 
Usability tests

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The challenge

Taking control over your finances is a lifetime of work and starting to learn about how to manage your money is vital from a young age. In order to increase the financial consciousness of youngsters they must be involved in financial services early on, which require digital solutions, interfaces and in the end - applications which can be used easily and intuitively.

OTP needed a specific value proposition which can educate, entertain and engage younger customers while ensuring a safe environment and the appropriate parental control.

In the war of numbers it is very easy to lose a younger customer...

Youth banking is not a bleeding-edge anymore, but it only has been plastered, not healed. 53% of millennials don’t think their bank offers anything different than others and 1/3 will switch banks if a better option comes their way.

Only 5% of youngsters feel that their bank fully understands their financial needs. Also, financial knowledge of young people is extremely low globally: 44% of youngsters under the age of 35 are financially illiterate in major advanced economies.

Winning youngsters’ hearts by understanding them

Our proof-of-concept helped to establish viability, to isolate technical issues, and to suggest overall direction, as well as tailor OTP’s offering to Gen Z needs.

The prototype we contributed to has been validated during focus-group and in-depth interviews as well as quantitative research and youngsters' willingness to use the app was certain. The intuitive interface, the dynamic approach and the generation-specific user experience, like the interactive Edumap or the customisable savings goals resulted in huge success and won the hearts of teenagers.

What we learned about GenZ  & how do they think of financials?

The line between entertainment and communication is blurred, youngsters increasingly communicate with emojis, effects and social media actions.

We need to integrate the well-known interface patterns like the bottom navigation bar, which enables them to reach the main functions by only moving the thumbs.

They want to budget and save their money more efficiently and learn the basic financial concepts however they don't have the means to do so.

Bank cards and accounts are not motivating them and are perceived as unnecessary burdens but earning their own money boosts their financial consciousness.

Financial literacy is a challenge for both adults and millennials

The lack of financial literacy is the fault of a combination of different factors: the educational system does not prepare youngsters to budget their money and they cannot talk openly about these issues with their parents or peers either.
Parents' mistakes and misbeliefs are transferred to their children: ad hoc allowances and the lack of regular income prevents children from learning how to manage their financials.

The safe and secure environment is inevitable to become financially conscious however, youngsters tend to learn by doing. Letting teenagers experience money management and learn form their own mistakes in a transparent and controlled setting can help them covert into financially literate, conscious adults.

Who edutains your customer?

Engage them with our easy-to-customise product

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Rocket money

Making millennials invest in the future much more, than before