This document discusses opportunities in the fintech industry to improve the user experience (UX) for consumers through addressing friction points and a lack of personal finance education. It provides examples of how one company developed an engaged habit-forming UX to help users gain control over their finances through notifications, actions, and rewards. This solution improved retention rates. The document advocates for fintech companies to provide more transparency, build trust quickly through high design standards, and ensure security while making services always available to users.