Blog posts from
ergomania.

One of the main causes of user churn is when a product requires too much effort to use – a problem that is exponentially true in the world of financial applications. In this high-stakes environment, the most effective strategy is not feature-hoarding, but the conscious application of radical simplification and minimalist design. But how does this approach become the foundation of trust and a measurable business advantage, and how will artificial intelligence (AI) reshape the future experience of finance?

We often discuss digital transformation in theory, but what does this process look like in practice, within an organization facing not only market challenges but also the complexity of a massive merger uniting three banks? We discussed this, along with the relationship between user experience (UX), measurement, and corporate culture, at the first event in our new series, the Ergomania Business Breakfast.

Fintech in Uzbekistan is undergoing rapid transformation, fueled by cultural traditions, religious considerations, and a young, tech-savvy population. Once isolated, the country now embraces digital payments, superapps, and Sharia-compliant financial models. Key players like UZCARD, Click, PayMe, and Uzum are reshaping the landscape, while government reforms and foreign investment accelerate innovation. The Fintech Association of Uzbekistan plays a vital role in regulation, education, and ecosystem growth. Despite challenges like financial literacy and fraud, optimism remains high for the sector’s future.

We make ~100 financial decisions a day. Discover how AI can act as a personal financial trainer, helping you manage money, reduce stress, and reach your goals.

Driven by customer expectations and competition from agile fintech companies, banks are no longer simply financial institutions, but technology companies where data and automation are the most valuable assets. This transformation is powered by intelligent automation, which connects invisible back-office processes with proactive, personalized advice for customers. A successful transition is not about implementing technology for its own sake, but about consciously redefining the role of the bank, where human expertise builds on machine efficiency to create new value.

A company's success increasingly depends on the quality of its user experience, which is founded on strategic design. Despite this, many still treat design as a mere aesthetic issue and judge its value based on superficial criteria. A good example of this is when the selection of a partner is based on an unfounded yet spectacular mockup, rather than assessing deeper problem-solving capabilities. This approach not only leads to missed opportunities but also to concrete business losses. Consciously applied design, on the other hand, has been proven to increase revenue and customer loyalty.

When a company like Shopify, known for its strong design focus, drops UX from its job titles, it's guaranteed to make waves in the industry. The move, led by design chief Carl Rivera, comes with a bold explanation: AI can now handle basic usability, so human designers must focus on creating "unforgettable" experiences built on taste and affinity. His statement has sparked a huge debate, splitting the community between fears of devaluation and theories of professional evolution.

In 2025, digital transformation is no longer an option, but a condition for survival and growth. Most organizations have already started down this path, but there are still many myths, misunderstandings, and failed initiatives. The real question today is not whether to digitalize, but how to do it smartly, with focus, and in a user-centric way.

Go beyond compliance. Learn how empathy-driven, inclusive design creates better products for everyone, not just users with disabilities. It's smart business.

In the digital product market, focusing solely on user acquisition can lull you into a false sense of security. The initial buzz isn't worth much on its own; downloads and registrations can easily hide a desert of abandoned accounts and forgotten applications. The real challenge, and the key to survival, lies in transforming this initial interest into deep, active engagement.

The arrival of Revolut and similar Fintech companies onto the scene is not just temporary market noise, but a shift that is fundamentally shaking traditional banking operations. Although many traditional financial institutions seemingly see the danger – every banker knows Revolut is coming and many are using it – genuine, profound responses are often delayed or insufficient. Today, it's no longer enough to merely introduce new features one after another; the quality of the user experience (UX) and a company's UX maturity can determine which banks will survive and be successful in the long run. Simply put: developing UX maturity is not a "nice-to-have-someday" project, but a critical strategic issue.

Good user experience (UX) is fundamental for a successful digital product. However, it's not enough for something to work well or look good on its own – it must also demonstrate that the work invested in UX brings concrete, measurable business benefits, making the investment worthwhile. Proving the return on investment (ROI) of UX, however, can often be a serious challenge. How can we move beyond subjective opinions and use data to show that UX improvements truly bring tangible business benefits?