99% of fintech apps lose users because of bad UX. Here are 9 rules we live by when building apps people trust: 1-Show security upfront 2-Clear microcopy 3-Biometric login 4-Dark mode 5-Onboard <60 sec 6-Transparent histories 7-Undo transfers 8-Show fees upfront 9-Keep consistency 👉 Good UX = user retention.