Zentra – The Online Bank for UK Students App & Website
Paul Idenyi
Zentra – The Online Bank for UK Students App & Website
Role: Product Designer & Brand designer
Scope: UX/UI Design · Brand Strategy · Wireframing · Website Design (Mobile & Desktop)
Project Overview
Zentra is a Gen-z digital banking platform designed specifically for UK students, which helps them to manage their finances, pay tuition fees, hostel fees and all school-related fees thereby allowing them to handle all transactions.
The Project Goal
The client envisioned a platform that would empower students in UK. So the goal of this project was to design a digital banking platform exclusively for students in the UK, addressing their unique financial challenges in managing education-related expenses. enabling them to track, manage, and pay for all their school-related expenses in one place.
Research & Insights (Challenges uncovered)
When I carried out deep research to understand, I found out it was a major issue compared to the way the client briefed me,
78% of UK university students say that money worries are causing significant stress. Many even avoid checking their bank balance or socialising because of it.
A study found that only 20% of young adults (18-21) show an interest in learning about debt management
only 45% of students feel confident managing their finances, and just over half (52%) consider themselves financially literate.
So from the research analysis gathered it shows students are under financial pressure, both in terms of expenses and debt, and many are anxious about managing money.
There is a need digital banking just for UK students which must offer simplicity, transparency, education related
Integration of these research insights into design can make the product meaningful for this specific user group rather than just a generic banking app.
The Strategy & Ideation
The goal is to help UK students feel in control, informed, and confident about their finances not overwhelmed by them as that has been the major challenge. so design such platform we narrow down to three key highligts which are,
Financial Clarity: students do lack visibility into where their money goes. so we provide clear breakdowns of expenses, balances, and due payments in one dashboard.
Unified Payments: Students manage multiple scattered fees be it tuition, hostel, departmental dues, and utilities. so we consolidate these into a single payment system.
Decision-Making: By combining tracking tools, smart reminders, and budgeting insights, it will encourage better spending habits and responsible financial behavior.
Design Execution
The visual designs are fragments of the in depth research carried. So I focused on creating a clean, student-friendly(gen-z) banking experience that feels both secure and interactive. So students can pay tuition fees, hostel accommodation, exam fees, and even track student loans, the platform simplifies money management and make financial transparency a core part of the student experience.
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Posted Nov 28, 2025
I designed a digital banking platform for UK students to manage education-related expenses.
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