Digital experiences that convert

Are your users dropping off before completing key actions?

Is engagement lower than expected?

Are low retention rates forcing you to spend more on new user acquisition?

What we do differently

The problem often lies in failing to address both the conscious and unconscious drivers of user behaviour. Financial decisions aren’t purely rational – they’re influenced by emotional, effortful, and economic factors. Effective digital financial experiences account for all three. At Humans and Money, we tap into what really drives user behaviour to design experiences that convert.

Emotions

Financial decisions are emotional. Trust, anxiety, control, and social influences matter.

We build experiences that tap into users emotions to meet their psychological needs.

Effort

Our brains are programmed to avoid extra effort. If your experience is confusing or overwhelming, users quit.

We adapt your content and flow to to make the decision process feel intuitive and effortless.

Economics

Time, risk, and money weigh heavily on users. If the process seems too costly or risky, they hesitate.

We streamline journeys, signpost progress, and highlight your true value.

Digital experience projects involve:

At Humans and Money, we don’t rely on guesswork. Through the SHAPE Method®, we combine behavioural insights with real-world testing to optimise every step of your user journey. 

Strategy

Identify the areas of the experience, the audience(s) and strategic priorities to focus on.​

Highlight

Behaviour mapping to reveal the emotional, effortful, and economic drivers behind user actions.​

Apply

Create behaviourally optimised user flows and content that convert.​

Prove

Test and refine with real users to ensure success.​

Embed

Work with your team to build in the successful behavioural principles to future projects.

Benefits for you

  • Science-backed insights:

    A clear, evidence-based understanding of why your users behave the way they do.
  • Behaviourally-optimised user journeys:

    An effective, intuitive experience that appeals to what's really driving users.
  • Data-driven results:

    Proven experiences that increase conversions and user satisfaction.
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