When thinking about digital lending, we might picture a long journey—from onboarding, verification, and underwriting to repayment. But beneath these steps lies something that is more influential in shaping the lending UX design: risk culture.
Digital lending is not just about offering money online, then running the numbers. It’s about how people feel when they borrow, what they fear might go wrong, the level of uncertainty they are willing to accept, and the reassurances they need before committing. These perceptions and behaviors vary widely across cultures, largely depending on people’s levels of risk tolerance.
In this column, I’ll explore how risk-averse and risk-tolerant cultural mindsets shape digital lending behaviors, how the differences between them influence UX design decisions, and what UX designers should consider when building lending products for different cultural contexts. Read More
While artificial intelligence (AI) has now been at the center of global attention for years, the uncomfortable truth is: most enterprises are not actually benefiting from it. Instead of scaling AI across their organization, many enterprises are keeping it siloed—perhaps in a side project for one department, a proof-of-concept that never leaves the lab, or a shiny demo for leadership. The result? Many organizations remain stuck in test mode, missing out on the real value that AI can deliver at scale.
The risks of failing to scale AI are concrete: enterprises overstock their warehouses instead of accurately predicting product demand, uncover fraud weeks later instead of in real time, and send out generic marketing blasts instead of providing personalized experiences. The cost is lost efficiency, slower decision-making, weaker customer loyalty, and stalled innovation.
In this article, we’ll explore the challenges of implementing AI at scale within enterprises and share our recommendations for addressing them. Our perspective comes from our hands-on work with a global accounting firm, a global beauty company, and a major US logistics provider where scaling AI is becoming an essential driver of competitiveness. Read More
Delight has become one of the most overused positive descriptors in product design. It sounds generous, user centric, even humane. However, in practice, it often translates to surprise animations, clever microcopy, and unexpected behaviors that are layered onto otherwise simple tasks.
The problem is not that delight is inherently bad. It’s more that designers often pursue it without adequately considering context, timing, or respect for user intent.
Most people do not open an application hoping to be charmed. They open it to complete a task, confirm a detail, or move on with their day. When user interfaces behave exactly as users expect, they feel calm, competent, and in control. That feeling lasts longer than any momentary spark of delight ever could. Read More
Every Web site has a different look and feel because every business serves a different customer niche and has a unique selling point (USP), customer journey, and offerings. However, Web sites for a particular domain typically share some common factors—for example, the user experience of a Web site for an ecommerce business represents brands and their products and can help turn visitors into long-term customers.
For an ecommerce Web site, important factors to consider include the site’s overall layout, the checkout flow, and aesthetic elements such as imagery, colors, and fonts. These factors invite visitors to engage with a shopping experience and build trust. Any business Web site must be trustworthy so customers can feel safe sharing their payment details when placing orders. Read More
The UX design industry still promotes a very predictable career path: do a design course, secure an entry-level role, follow the established ladder, then eventually specialize. However, in reality, many UX designers arrive in the field through irregular and unconventional routes that are often shaped by different, unrelated roles, and periods of deep-dive exploration.
This article challenges the assumption that the linearity of this career path creates stronger UX designers. It argues that intentionally leveraging non-traditional career paths can cultivate cognitive adaptability and problem-solving depth that structured trajectories rarely produce. Read More
With artificial intelligence (AI) transforming the professions that User Experience comprises, UX designers are facing both significant opportunities and perplexing challenges. The future of UX design—and most UX designers’ careers—makes AI skills and tool mastery imperatives that can amplify our potential and impact.
The need to adopt new toolkits is not new. Throughout the years, UX designers have always had to learn new tools to help them capture, create, and communicate their ideas. But this AI shift is distinct because our tools have now become creators that generate images, mockups, audits, and prototypes in just moments through the activation of just a simple prompt. This new reality is phenomenal to witness.
But, if you are like me and use AI regularly, you may have moments when the sheer power and speed of creation raises questions about authenticity—who is the creator?—and UX designer’s core skills. Are we, as UX designers, strengthening our core talents or letting them wither? In this column, I’ll discuss how to keep your UX design muscles sharp when the machine is doing the heavy lifting. Read More
“How does it feel, to be on your own, with no direction home?”—Bob Dylan
Part one of this series described behavior as the primary design material for artificial intelligence (AI), including four behavioral dynamics:
As UX designers, we need to leverage these dynamics to foster conditions for emergent relationships between interacting minds—whether in human-AI collaboration, human-agent delegation, or agent-to-agent coordination. Attention and alignment are where that emergence should begin.
In Part 1, I described a vision for an AI-driven healthcare advocate—an AI agent that could support, coordinate, or fully manage a person’s care depending on the level of control that person or a caregiver assigns. We designed the app’s onboarding process to establish the AI agent’s role: should it support a person by making suggestions or complete tasks the person initiates? Coordinate care by handling appointments and logistics and independently begin tasks with the person’s approval? Or fully manage routine healthcare tasks from start to finish on its own? Read More
Artificial intelligence (AI) is undergoing a transformation that changes not just what software can do, but how humans relate to it. We are moving from systems that respond to commands toward systems that act independently. AI is no longer merely a user-interface feature, it is becoming an autonomous decision-maker, creator, coordinator, and in some cases, independent operator.
This evolution introduces an entirely new category of user experience: agentic AI systems, which don’t wait for user instructions in the traditional sense. They anticipate users’ needs, plan actions, negotiate constraints, and intervene on the user’s behalf. They schedule meetings, monitor operations, resolve issues, generate insights, and optimize workflows without any need for constant supervision. For the first time in design history, the user is no longer continually in control of the system. This changes everything. Read More
Some have hailed the introduction of artificial intelligence (AI) as a seismic shift, an epochal change, and having the most powerful impact on business since the Internet. However, this article might disappoint you. In truth, AI is not meant to do everything, all the time.
In the face of technological hype, product teams and UX professionals risk falling into the “AI-for-everything” trap. They often pursue agentic AI solutions because the technology is novel, not because it represents the most efficient or high-value answer to a user painpoint. The outcome is predictable: wasted resources, unnecessary complexity, and user frustration with a product that fails to solve the right problem. Therefore, the most effective AI strategy involves mastering the power of no. UX designers must move the conversation from Can we build this with AI? to this more responsible and strategic question: Should we build this with AI?
Answering this question requires a rigorous, data-informed tool for governance. Therefore, I have developed the AI Value Rubric to force a structured conversation balancing user needs, business objectives, and technical aptitude to help product teams separate high-impact AI opportunities from technical vanity projects. Read More
Even small text changes can have a big impact. The words on a Web site are not just labels; they’re meant to influence people and guide them to take some action—for example:
Writing the text for Web pages or apps to guide and help people is known as UX writing. Without this text, visitors or users would have to guess what to do next. Read More