Cross-platform consistency framework: Bridging UX gaps in digital banking

Kasireddy, Venkata Naresh Reddy (2025) Cross-platform consistency framework: Bridging UX gaps in digital banking. World Journal of Advanced Engineering Technology and Sciences, 15 (3). pp. 275-284. ISSN 2582-8266

This article explores the critical challenges and potential solutions for achieving cross-platform consistency in digital banking interfaces. It explores the evolution of digital-only banks and the increasing tendency of customers to interact with financial services across multiple platforms, highlighting the significant impact of interface consistency on user trust, efficiency, and regulatory compliance. Through a comprehensive methodology combining heuristic evaluations, user surveys, and developer interviews, the article identifies key consistency gaps in navigation, interaction patterns, and terminology. The article analyzes current design system implementation practices across leading neobanks, evaluates the correlation between UI consistency and trust metrics, and pinpoints critical interaction points requiring the highest consistency standards. Furthermore, it shows the complex relationship between performance optimization and perceived consistency, as well as the challenges of maintaining accessibility compliance across platforms. The article concludes by offering architectural recommendations, organizational structure suggestions, and an implementation roadmap for digital banks seeking to improve cross-platform consistency, while also exploring emerging technologies with the potential to transform this space.