U-21 (Revolut)ion — banking that moves at their pace

Getin Bank had over 2 million customers, but one group was clearly missing — young people.

Purchase intent

Value uplift

Task success rate

Lead UI/UX Designer

I joined the project as Lead UI/UX Designer to help define and design a new youth-focused banking ecosystem that could stand on its own, not just as “a junior account” glued onto existing products.

Getin Bank

2015 — 2016

Fintech, Banking

Understanding the gap

Most teenagers and students used the bank their parents chose, which was convenient but did not build any real relationship with the brand. For the bank, this meant a long-term risk: if we did not start speaking to the next generation early, we would slowly age out our customer base.

We started with research, aimed less at “what features do you want” and more at “how do you live, pay, save, and share money today”.

Through online surveys, focus groups, and one-to-one interviews, we spoke with teenagers and young adults with different backgrounds. A few things became clear very quickly.

Banks are slow

Banking felt slow, formal, and disconnected from their everyday life.

Money is social

Money was strongly social – shared expenses, group gifts, splitting bills, helping friends.

Looks are important

Visual identity and tone of voice mattered as much as features – they wanted something that looked and felt like “theirs”, not like a tool borrowed from their parents.

We also analysed how they were already using fintech products and wallets, and where traditional banking was hindering their use.

Outcome

The outcome was a clear direction: if we wanted to be relevant, we had to design for social context, instant interactions, and emotional connection, not only for a set of features.

Designing Tzing – a banking ecosystem for the youth

A new ecosystem

Based on that work, we co-created Tzing – a youth-oriented banking brand built around a prepaid debit card, mobile apps for iOS and Android, and a PWA-based web application.

My responsibility

As Lead UI/UX Designer, I was responsible for:

shaping the interaction model across card, apps, and web,
defining visual patterns that felt playful but still clear and safe,
turning abstract “fun” concepts into concrete flows that could be implemented on a lightweight core banking system.

Instead of starting from a catalogue of banking products, we started from a few key moments in the life of our users:

sending and receiving small amounts of money between friends,
buying things online without asking parents for card details every time,
saving together for something,
showing personality in how they interact with money.

Key experience pillars

Instant, social and contextual

Tzing introduced features like quick roundups for group gifts, instant transfers between friends, and a lightweight, always-on notification model. The goal was simple: money should move at the speed of their conversations, not the speed of back-office processes.

Easy to enter, easy to use

We designed onboarding and sign-in to be as painless as possible, including visual patterns and clear, forgiving flows. The idea was to minimise the friction of “first setup” and let users get to their first meaningful action quickly – usually sending or receiving money.

Clear, friendly history

We created an intentionally simple payment history, with well-structured lists, readable labels, and just enough detail to feel in control without turning it into a spreadsheet. For young users, trust and legibility were more critical than exotic filters.

A brand that feels like theirs

Together with external partners such as Future Mind, K2, Mama Studio, and Redkroft, we developed a visual language that felt closer to lifestyle products than to traditional banking, without compromising on clarity in key flows. My responsibility was to translate this language into concrete UI patterns that work across platforms.

Re-done in 2023

Refined financial dashboard - after logging in, all the most important things are at hand. Your debit cards, account, and money box are all there.

All your Tzing contacts are gathered in one place, with the option to send or manage money immediately.

Re-done in 2023

One of our unique features. You can make the title of each transaction public and add emoji, GIFs, whatever you want. All other details of the transaction remain confidential.

All your transactions, payments, round-ups, and account top-ups in one place.

Re-done in 2023

A simple and neatly designed money transfer form.

One more Tzing – making transfers playful

One of the signature features was Tzing itself – a quick transfer mini game.

We designed a flow where a user could:

Start a small transfer

Tzing users could send money (up to a set limit) straight from the login screen.

Pick a trusted contact

The user first had to authorize it using strong authentication (multi-step confirmation).

Select the amount

The user could do that through a simple, game-like interaction.

Send the money instantly

The user could send money to pre-authorized contacts (available in Tzing) instantly, with a short window to undo the transfer.

The intention here was not to gamify banking for the sake of it, but to make the most common, low-risk interactions feel effortless and enjoyable while still maintaining control mechanisms and safety.

Ecosystem, not just an app

Tzing was designed as a complete ecosystem rather than a single touchpoint: a prepaid debit card, mobile apps, a PWA, and an underlying lightweight core banking system.

From a design perspective, this meant:

Channel consistency, not uniformity

Keeping consistency across all channels without forcing mobile and web into the same patterns.

Operational clarity for internal teams

Giving support and operations teams enough context in internal tools to handle youth accounts smoothly.

A growth path, not a dead end

Making sure that, as users grow older, the experience grows with them instead of forcing a hard switch to “adult” banking.

Final thoughts and impact

For me this project was less about designing a “cool banking app for young people” and more about identifying a strategic gap in a large, traditional organisation, using research to translate lifestyle into concrete product requirements and designing an ecosystem that respected banking constraints while speaking the language of the next generation.

The same approach, based on understanding real-life context, mapping systems end-to-end, and building flows that feel natural to the people who use them, is what I apply today in more complex AI-assisted and enterprise products.

A century of tradition — redesigned for the digital age
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