Illustrative scenario · Fintech onboarding

Why does a new customer hesitate at identity verification?

A customer has chosen an account and started signing up. A fictional financial app now asks them to photograph an identity document, without explaining the purpose, preparation or recovery options.

Illustrative scenario. The organisation, interface and research plan are fictional. This is an explanation of our approach, not a completed client study.

The question behind the interface

An instruction to “verify now” leaves several questions open: which documents are accepted, whether the camera is needed and what happens if the check fails. The interface may be technically functional while leaving the person unable to judge the effort involved. No research outcome is claimed here.

A proposed direction

Explain why the step exists, what is needed and the available help before asking the person to start. Make failure recoverable without implying that verification requirements can be skipped.

Illustrative interface · Proposed design · Fintech onboarding
Fictional example

Before you start

Illustrative flow: check the accepted-document list and camera instructions. Help is available if you cannot continue.

See what you need →
  1. Understand the check
  2. Prepare your document
  3. Start or get help

Static design example. The depicted action is not an interactive product control.

How we would investigate it

Ask a relevant participant to explain what is required and how they would recover from a failed capture. Use fictional documents or a controlled prototype, never a real identity upload. Observe comprehension before task completion.

Before recruiting, we would agree the decision the study must support, the people whose experience matters and a realistic task. The session plan would specify a safe starting state and avoid leading the participant towards the proposed solution. Relevant access needs, consent and handling of research material would be included in the scope.

The tradeoff to examine

Explanations must match the actual product’s identity and security requirements. Those requirements are supplied by the product owner in a real engagement. A calmer screen is not evidence of regulatory approval, fraud prevention or improved conversion.

What would count as useful evidence?

Comprehension of purpose and preparation, discovery of help, recovery from failure and completion within the agreed test environment.

Record the actions, misunderstandings and assistance required. Keep participant comments separate from interpretation and show important exceptions as well as patterns. A revised design would remain a proposal until it had been evaluated; task completion in a small qualitative study would not establish a population-wide conversion rate.

What this example leaves open

No participants were recruited for this scenario, and no improvement or commercial outcome has been measured. The screens explain an approach. In an actual engagement, the evidence could support a different recommendation, expose a constraint not visible here or show that another problem deserves priority.