KOBIQ
Kobiq is a mobile banking app built around one idea: your money should tell you something before you make a mistake with it. The product combines everyday banking, send/request/pay flows, spending insights, with an AI layer that actively watches for risk, flagging unusual transactions before they complete rather than after.
Client
Kobiq
Service Provided
Product Design
The Challenge:
Most banking apps treat security as a backend feature, invisible until something goes wrong, and then it's a generic OTP prompt. Kobiq needed the opposite: a security layer visible enough to build trust, but not so present that it slows down the 99% of transactions that are completely normal. The core tension: how do you design an app that feels fast and frictionless for routine use, while making a real-time risk check feel like protection instead of an obstacle?
1
The approach:
The design started from a single constraint: authentication and security had to feel native to the flow, not layered on top of it. Passkey and Face ID sign-in replace passwords entirely at entry. From there, every screen, home, transactions, transfers, carries a consistent AI Guardian presence: quiet in the background during normal activity, direct and specific the moment something looks off.
2
The Result
A production-ready flow across onboarding, daily banking, and active risk intervention. When Kobiq's AI Guardian flags a transaction, it doesn't just block it, it explains exactly why (new payee, high amount, new device) and hands the decision back to the user. The interface earns trust the same way a good human advisor would: informed, specific, and out of the way until it matters.
3
Recent Designs
