Competitive benchmarking
— Compared onboarding and first-purchase flows
— Analysed risk framing patterns
— Identified guidance mechanisms in leading apps
Raiffeisen Invest
A research-driven UX audit of the Raiffeisen Invest mobile app — focused on beginner trust, early clarity, and habit formation.
Overview
Beginner investors often disengage after a negative first experience. The audit focused on identifying where the current UX weakens trust, increases cognitive load, and fails to support informed decisions.
The outcome was a structured opportunity map across onboarding, purchase flow, contextual education, and long-term engagement mechanics.
Research & Audit
I combined competitive benchmarking, public feedback analysis, and qualitative validation to identify trust-breaking moments in the early investment journey.
Public feedback analysis
— Reviewed App Store & Play Market feedback
— Clustered friction themes
— Prioritised trust-impacting issues
Qualitative validation
— Short interviews with beginner investors
— Analysed mental models & expectations
— Validated key pain points
Synthesis
— Mapped friction to journey stages
— Identified behavioural drop-off risks
— Converted insights into opportunity areas
Key Findings
1. No structured onboarding → beginners enter the app without a clear investment strategy or risk framing.
2. Purchase flow lacks contextual explanations → users make decisions without understanding volatility, diversification, or long-term impact.
3. No habit-building mechanics → the product supports transactions, but not repeat behaviour or long-term discipline.
4. Portfolio visibility does not translate into actionable guidance → users see numbers, but don’t know what to do next.
Opportunities & Concepts
Intent-based onboarding
A short onboarding flow defining risk tolerance and goals, transforming the first session into a guided starting strategy.
Before
After
Smarter “buy” entry points to reduce decision fatigue
Beginners were overwhelmed by options with no safe defaults. The concept direction here is curated suggestions based on the onboarding profile: ready-made portfolios, analyst picks, and beginner-friendly bundles — with clear explanations of “why this fits you”.
Before
After
Contextual risk framing inside critical steps
High-risk instruments were poorly explained, making negative early experiences more likely. I proposed “in-context” hints and friendly explanations during key actions (buy / sell / instrument selection) — so risk is understood at the moment it matters, without forcing users into separate education sections.
Before
After
Habit-building mechanics: recurring investing, nudges, control signals
The flow didn’t encourage long-term engagement. The proposal focused on habit loops: auto top-ups, recurring investments, timely reminders, plus smart alerts for price changes and portfolio rebalancing opportunities — helping users feel in control rather than “hoping for luck”.
Business Value
Prototype validation showed stronger clarity, reduced anxiety in first-time actions, and higher intent to use recurring investment features.
+70%
Clarity in key steps
+60%
Retention uplift
16
Users tested