Latest opinions that Alex Kreger has shared on Finextra

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Alex Kreger

Founder and CEO

UXDA Financial UX Design

Member since

18 Aug 2016

Location

Riga

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Alex's opinions

UX Case Study: Designing Gen AI Banking for Gen Z

Over the past decade, messaging apps and AI-powered chats have redefined how we interact with the digital world. What started as a way to stay in touch with friends quickly evolved into a universal interaction model, especially to Gen Z. With the rise of generative AI, this trend has accelerated dramatically. Instead of scrolling through menus or t...

26 August 2025 /ai /retail Innovation in Financial Services

Banking AI Implementation Case Study: Design of a Living Bank User Experience

What if your digital bank wasn’t just a service, but a living companion? Over six months, we designed a groundbreaking AI-powered financial product that aimed to reshape how customers engage with their money. Here are some key insights and takeaways from that journey. This was not another static banking app. It was envisioned as an AI-powered prod...

21 August 2025 /ai /retail Innovation in Financial Services

The Greatest Threat to Banking Isn’t Digital Disruption or AI—It’s Self-Deception

Fintechs won’t kill incumbent banks. Neither will AI. Banks will kill themselves. Not through disruption. Through self-deception. They’ll collapse because they believe things that aren’t true. The lies sound so familiar we’ve stopped questioning them: We’ve finished our digital transformation; If users struggle, it’s their fault; Digital is just ...

18 August 2025 /retail /markets Innovation in Financial Services

Design as Strategy: How UX Transformed a Bank's Digital Ecosystem

In the heart of one of the world’s most fast-paced financial markets, a digital reckoning was brewing. A leading retail bank—serving tens of millions, managing hundreds of billions, and deeply embedded in the region’s economic fabric—found itself at a tipping point. Its once-pioneering market presence was now fragmented, inconsistent and frustratin...

12 August 2025 /retail /devops Innovation in Financial Services

Debunking the Early Riser Myth in Banking: A UX Reality Check

In the high-stakes world of finance, one belief has been drilled into boardrooms for decades: the early bird catches the worm. In banking, that’s translated into a dangerous mantra — first to market wins. It’s a seductive idea. Banks' CEOs love the headlines. Product teams love the adrenaline rush. Shareholders love the illusion of being ahead of t...

11 August 2025 /retail /devops Innovation in Financial Services

From Commodity to Couture: Why Design in Banking Stays Untapped Competitive Edge

In a world where people wear their brands like badges of identity—from the phone in their hand to the sneakers on their feet—banking remains curiously invisible. Its digital products are often indistinguishable, stripped of soul, wrapped in sameness. But this week, something rare happened. Because here’s the paradox: while consumer brands chase em...

04 August 2025 /retail /identity Innovation in Financial Services

Will AI Ignite the Next Flock of Black Swans? Scramble for Antifragile Digital Banking Starts Now

Have you ever seen a live black swan? I hadn't until recently. During my recent vacation, every morning and evening on the way to breakfast and dinner, I passed a flock of black swans housed on the hotel grounds. By the second day, they became just part of the scenery — beautiful, yes, but familiar. It made me think. In his book, Nassim Taleb des...

29 July 2025 /ai /predictions Innovation in Financial Services

Internal Innovation Illusion: Why In-House UX Could Cost You the Market

Beneath the surface of every large retail bank lies a truth rarely voiced in boardrooms but whispered in team huddles: genuine digital transformation cannot succeed on in-house talent and legacy alone. While product teams brim with bold ideas—AI-driven analytics, intuitive dashboards, brand’s digital leadership—their proposals repeatedly collide w...

21 July 2025 /retail /devops Innovation in Financial Services

The End of Average: AI Is Rewriting the Rules of Digital Banking CX

In 2024, banking crossed a critical threshold. No longer satisfied with being simply digital and inspired by interactions with Chat GPT, customers began demanding something deeper—experiences that understand them. Banks turned to a powerful ally: artificial intelligence. The result? A seismic shift from transactional to transformational. AI didn’t...

14 July 2025 /ai /retail Innovation in Financial Services

AI Becomes the Banker: 21 Case Studies Transforming Digital Banking CX

In banking, AI is no longer experimental—it became a cornerstone of strategy for improving how customers engage with their banks online and via mobile. Within this article, we analyze how AI’s adoption in 2024 impacted key areas of digital CX, highlighting global trends as well as specific insights from major markets like the US and UK. We examine...

07 July 2025 /ai /retail Innovation in Financial Services

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