Teardown: a fintech onboarding flow

Note: A short walkthrough of where digital-bank onboarding loses people, and the small changes that lift activation.
In this teardown we walk through a typical digital-bank onboarding flow and mark every point where users drop off.
Most of the loss is avoidable: unclear KYC steps, no progress feedback, and dead ends with no recovery. None of it needs a redesign of the brand. It needs the flow and the states fixed.
Key takeaways
- Most onboarding loss is in the flow, not the visuals.
- Show progress, explain KYC, and design the recovery paths.


