Documented on: 2025/10/17

Keywords: UX Audit

Overview

The product is a web-based, AI-powered financial co-pilot that consolidates users’ financial accounts, analyzes trends and hidden fees, and delivers personalized, actionable guidance to improve financial health.

Its core feature, AI Insights, analyzes users’ transactions and spending habits to generate customized, actionable recommendations based on their financial situation.

Scope & Goals

This UX audit focuses on the AI Insights feature of Cent Capital’s web platform. The goal is to evaluate the end-to-end user experience, from accessing the feature and connecting accounts to receiving and understanding insights, and to identify usability issues, design gaps, and opportunities to make the feature clearer, actionable, and trustworthy for users.

User Flow

The main user flow for a first-time user to access the AI Insight feature bears several frictions:

① Inconsistent Grouping

Problem

The “+ Connect Bank Account” button is placed under the “Connected Accounts” section, while the actual list of connected accounts is displayed under a separate section labeled “Your Connected Banks.” The two sections use different terminology (“accounts” vs. “banks”) and appear visually disconnected, making it unclear that they belong to the same flow.

Impact

• Users may not immediately see the outcome of their action after connecting a bank, leading to confusion and unnecessary scanning.