Does your digital banking meet customer expectations?

Does its ROI meet yours?

For a custom action plan to optimize customer experience while improving ROI, schedule a Fintech Labs evaluation today. We’ll analyze your digital channels across our 400-point banking UX matrix and tell you how to achieve the biggest digital bang for your analog bucks.

The formula for improved digital account opening & onboarding

Download our FREE checklist, 100 Improvements for Digital Account Opening & Onboarding

Optimizing digital account opening and onboarding can provide an ROI of 100% or more.

Hey banks & credit unions!

Prove to your customers, employees and community that you offer world-class digital banking.

Attain a passing score on our 400-point digital banking audit and display the BUX Certified logo on your website and mobile app. Only five financial institutions will be certified in 2018. Make sure you are one of them.

Online and mobile channels continue to grow in importance. But how do you know if your digital channels are effective?


For a decade, Fintech Labs has helped banks, credit unions, and other financial services companies improve digital banking ROI through better service offerings, more straightforward user interfaces (UI), and best-in-class customer experience (UX/CX).




Our team, each with at least 15 years of digital banking experience, will conduct an in-depth look at your digital channels to identify customer experience strengths and weaknesses. But we don’t stop at merely identifying gaps, we provide custom advice on how to fix them in a cost-effective manner.


Our clients include financial institutions around the globe, both large banks and smaller community banks and credit unions.

Fintech Labs BLOG

Provides insights on digital banking UX, CX, UI and general fintech innovations.

Providing UX Insights to Stay Ahead

We have studied thousands of banking, lending and personal finance sites and performed custom analyses for financial institutions, both large and small. We look forward to helping you. Request a proposal today!


Core banking areas compared and scored against our proprietary customer experience framework


400+ digital contact points reviewed for customer experience effectiveness


Key takeaways summarized and prioritized

Comprehensive Analysis Includes:

Comprehensive analysis is more than 100 pages in length along with a custom PowerPoint executive summary.
Each analysis is custom-tailored to your needs.

Request A Free Proposal


At a glance, see strengths, weaknesses and gaps to the ideal user experience.


Explains how to optimize your website and mobile offerings to align with the best practices at other financial institutions.

Years of Experience

100+ Key Touchpoints Reviewed



Our clients include some of the leading financial institutions around the globe.

Pricing UX: Down with Fees, Up with Subscriptions

Most consumer banking research finds that "high fees" are one of three or four primary reasons to close an account. But what does that mean? Is it transaction fees at the ATM? Monthly checking account fees? Or penalty fees from overdrafting? I suspect it's often the...

Penalty Fee UX: Bank of the West Formalizes the OD Mulligan*

Many customers know they can get at least one overdraft fee waived by appealing to customer service or the branch manager. But it's not a good experience. Driving to a branch or calling an 800 number and sucking up to some stranger that you hope isn't having a bad...

Feature Friday: December Skip-a-Payment

I've always liked the (mostly) credit union tradition of allowing members to skip a loan payment, especially in December. It's a win-win. Members get financial relief during a time of increased spending and the financial institution creates goodwill and increased loan...

Hey Erica, Should a Bank Name its Chatbot?

Bank of America's email last week introducing its chatbot Erica made me wince (see above). And I wondered why. I crave self-service in all transactions, so I am pleased that banks are using AI/ML/DL, or most likely, just common sense, to solve my problems without...

Youth Banking: BECU Boosts Savings APY for Kids Under 18

  When my kids were young (early 2000's), there was a lot more incentive to save. I remember setting up their first savings accounts at ING Direct when the direct bank touted its 5% APY in bold orange advertising all over the east coast (see below). Even with low...

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