AN AI-ASSISTED FINTECH / INSURTECH
Banking, wealth, and insurance
with clarity at the center.
MONTIQ / CONTRIBUTION
Arjun Lingam Jayaraman
Owned the design lifecycle: from framing the problem to specifying a coherent, high-fidelity experience.
DESIGN OWNERSHIP
Frame
Research synthesis · problem framing.
Structure
Information architecture · user flows
Explore
Interactive prototyping · high-fidelity UI.
Systematize
Design-system architecture · accessibility requirements.
Specify
Handoff documentation · states and rationale.
Scope: product concept and design deliverables. No implementation, launch, delivered compliance or team-collaboration claims are made.
End-to-end design ownership.
Lead UX/UI & Service Designer · Individual Contributor
MONTIQ /Market Landscape & Business Strategy
Business strategies shaping fintech evolution.
Key Performance Indicators (KPIs)
50%
Cut time-to-market in half by establishing tokenized design systems and rigorous component architectures.
40%
Boosted task completion speed across core multi-account workflows.
60%
Reduce customer churn during initial day-zero activation and onboarding flows.
Business Goal
Cut time-to-market by 50% to accelerate delivery and enable faster experimentation.
Decrease handoff errors by 75% to reduce rework and ensure design fidelity.
Market Landscape
Traditionally, financial life has been scattered and forcing people to jump between separate apps just to check balances, review investments, or manage insurance policies.
MONTIQ / CONTRIBUTION
RESEARCH SNAPSHOT
20%
Plain language
Felt confident understanding legacy financial-app information.
60%
Accessible task completion
Reported accessibility or usability roadblocks.
80%
Insurance explanation
Selected insurance understanding as an AI use case.
60%
Actionable security
Cited fraud/security alerts as vital.
Research
I explored the problem through competitor analysis, user survey responses and research into onboarding, financial information, accessibility and support experiences.
MONTIQ / Target Audience / Demographics
Independent Earners
Balancing irregular cash flows and multi-source earnings.
Targeting busy professionals
Navigating everyday monetary tasks and tools.
Busy professionals
Managing multi-platform income, investments, and insurance.
families
Managing shared household expenses, protection, and daily transactions.
Built for the Everyday Financial Life
The Fragmented Reality of Modern Finance
MONTIQ / PROBLEM SPACE
04
Detached guidance
Help lives outside the decision point.
03
Stressful failures
Unclear status makes recovery risky.
01
Fragmentation
No shared view of money and coverage.
02
Cognitive overload
Dense terminology competes with the task.
Connected products. Disconnected experiences.
Separate apps split information, terminology and support across banking, investment and insurance.
MONTIQ / THE PROBLEM STATEMENT
THE PROBLEM STATEMENT
How might we make managing multiple financial accounts, tasks, and insurance policies feel effortless, clear, and actually reassuring?
MONTIQ / Research Insights to design
Turning Research Insights into Architecture
03 / THE FINAL TRADEOFF
We pivoted to an AI-assisted conversational feed backed by progressive disclosure hiding complex data layers until explicitly requested.
02 / CONTEXTUALIZE
Research synthesis revealed a system layout caused users to frequently get lost toggling between accounts .
01 / THE CHALLENGE
Research synthesis revealed a tabbed dashboard layout caused users to frequently get lost toggling between accounts.
MONTIQ / DESIGN DIRECTION
Four ideas turn insights into a clear experience.
04 / INTELLIGENT ASSISTANCE
Clarity Through the AI Copilot
Conversational AI translates dense financial terms into plain language, helping people make confident decisions.
03 / EXPLAIN
Trust through transparency
Show your sources, admit uncertainty, and let users stay in control.
02 / CONTEXTUALIZE
Guidance when it matters
Get clear guidance right when you need and no extra searching required.
01 / PRIORITIZE
Clarity before complexity
Put the most important information first. Use plain language and show extra details only when people are ready to dive deeper.
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MONTIQ / Architecture & system.
Architecture & Systems
MONTIQ /Wireframe
Low-Fi Wireframes & Core UI Structure
MONTIQ /Color -Design system
Systems before screens .
Core principles and spacing architecture keep every layout uniform, defined globally so hierarchy is managed once across the entire product.
Blue-Primary
Orange-Secondary
Grey-Netural
Red warning
Yellow -Caution
Green -Success
MONTIQ / Typography -Design system
Typography that guides the eye.
A single scale keeps hierarchy predictable: Display and Title lead, Subtitle and Body explain, Caption, Quote and Link support.
Display 60–100
Montiq
Title 10–50
Your account is set now
Subtitle 10–50
Review before you send
Body 10–50
Plain language for dense finance.
Quote 10–50
Clarity before complexity.
Link 10–50
View transaction details
MONTIQ /Acessibility
Clarity you can measure.
Validated against WCAG 2.2 contrast across tokenized pairings, with 48px or larger touch targets on every mobile control.
1
unified platform for banking, investment and insurance
40%
faster task completion across the core flows
50%
lower drop-off during account activation
MONTIQ /Onboarding & authentication
Build confidence one step at a time.
Onboarding & authentication
The Challenge
Traditional financial onboarding forces users through rigid form loops, redundant data entry, and slow processing screens causing severe day-zero drop-offs.
The Behavioral Rationale
The AI assistant provides conversational orientation, making security authentication feel guided rather than administrative.
The Experience
Montiq replaces traditional screen with an intelligent onboarding flow anchored by an AI-guided sign-in assistant.
The Business Impact
Landing the user straight onto a fully active onboarding screen rather than a processing screen builds immediate trust and sets a strong baseline for retention.
MONTIQ / Main screens
The Home Hub
One clean, connected view bringing together your checking accounts, investments, and active insurance policies.
AI Copilot & Smart Search
Instant money transfers, easy card controls, and a helping hand when filing claims.
Your Digital Wallet & Financial Core
Link outside accounts effortlessly and let Montiq act as your central command center for money and insurance.
Core Journeys & Experience Flow
Bridging the gap between separate banking, investment, and insurance apps into one seamless experience.
MONTIQ / AI COPILOT · SCREENS
Natural Language Navigation
& Task Automation
Montiq AI
Natural Language Navigation & Task Automation
Conversational Interface
Primary input method allowing for natural language queries and voice commands.
Contextual Prompt Chips
Pre-built shortcuts accelerate common high-value financial tasks.
Welcome Context
Summarizes AI capabilities and sets clear user expectations for interaction.
Floating Conversational Entry
A non-intrusive action button anchored at the bottom-right corner, ensuring the AI assistant is always within comfortable thumb reach without obstructing critical dashboard data.
Brand Identity
Clearly visible corporate logo and logomark
Conversational Interface
Primary input method allowing for natural language queries and voice commands.
Welcome Context
Summarizes AI capabilities and sets clear user expectations for interaction.
Brand Identity
Clearly visible corporate logo and logomark
Contextual Prompt Chips
Pre-built shortcuts accelerate common high-value financial tasks.
Natural Language Navigation
& Task Automation
MONTIQ / AI COPILOT · SCREENS
Montiq AI
Natural Language Navigation & Task Automation
Floating Conversational Entry
A non-intrusive action button anchored at the bottom-right corner, ensuring the AI assistant is always within comfortable thumb reach without obstructing critical dashboard data.
Feature and functionality
MONTIQ / POLICY & INSUARNCE MANAGEMENT
Explain what the policy means
Summarize policy terms; clarify coverage limits, excess and exclusions with links to the source terms.
Prepare, then review
Assist claim preparation and provide direct renewal entry. Requirements and final actions remain user-reviewed and user-confirmed.
Make limits visible
Show uncertainty, offer human support and avoid guaranteed coverage, claim decisions or financial-advice claims.
Policy & Insurance Management
Simplifying Complex Workflows
MONTIQ /ERROR HANDLING & RESILIENCE
Secure Payments & Error Recovery
Graceful Error Recovery
Forgotten credentials cause user abandonment during authentication, but high-visibility reset prompts and seamless multi-factor fallback options restore user trust while minimizing support overhead.
Secure Payments & Quick Activity
High-contrast receipt cards with verifiable timestamps reduce financial anxiety after sending payments, instantly building transaction confidence and user trust.
What I learn , to impact
MONTIQ / Learning outcomes
How I turned multi-app into a simple , AI-driven financial ecosystem.
I figured banking and insurance together in one place wasn't easy .People are naturally protective of their money, and cramming different financial tools into a single app usually creates total overwhelm. To fix that, I broke complex multi-step tasks like claims and asset management down into simple, bite-sized steps that feel natural to walk through. I also realized that leaning on an AI assistant for money decisions is a huge responsibility; every single touchpoint needed transparent guardrails and clear safety checks so users could actually feel safe handing the wheel over
Thank you
