Cognitive Ux Finance

Cognitive UX: Financial Self-Service

Scope

Use for financial customer-facing experiences. It is not financial, legal, security, or regulatory compliance advice; require qualified review for the product and jurisdiction.

Intake

• Identify financial task, consequence/irreversibility, product terms, eligibility, risk, and jurisdiction.
• Identify fees, conflicts, timing, recurring effects, authentication, fraud/dispute, and receipt requirements.
• Identify user literacy, language, disability, device, support, and escalation needs.

State assumptions that could change the design. Define the primary task, its consequence of failure, and a measurable user outcome before proposing a layout.

Design procedure

1. Make material costs, risks, conflicts, eligibility, timing, and irreversible consequences understandable before action.
2. Use plain-language summaries with direct paths to complete terms; do not visually overshadow a material condition.
3. Require meaningful review and confirmation for consequential actions; show what will happen, when, to whom, and how to recover or dispute.
4. Design authentication, limits, status, receipt, fraud, and dispute flows with clear next steps and appropriate verification.
5. Test comprehension and error prevention across users, not only transaction completion or revenue.

Read [archetype evidence](references/archetype-evidence.md). Label each non-obvious recommendation Standard / requirement, Evidence-informed default, or Hypothesis to test.

Required outputs

• financial decision/disclosure hierarchy
• consequential-action review/confirmation/receipt flow
• authentication/fraud/dispute support model
• accessibility and plain-language checklist
• informed-decision and critical-error test
• Evidence-to-decision table: decision → mechanism → source → label → limitation → test metric.
• Accessibility, ethics, and recovery-path checklist.

Guardrails

Do not bury material terms, use misleading defaults, trivialize risk, gamify financially harmful behavior, or make a compliance claim without expert review.

Related skills

Use cognitive-ux-portal, cognitive-ux-commerce, and cognitive-ux-forms. Select the primary task before combining skills; add a secondary skill only when it changes the user outcome or risk.

Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: kfeng209-oss
• Source: kfeng209-oss/cognitive-ux
• License: MIT

Install and usage instructions live in the source repository linked above.