Despite the rapid digitalisation of financial services across the globe, financial literacy remains uneven and insufficient among large segments of the population. While digital tools have significantly improved access to banking, payments, credit, and investment services, access alone does not guarantee understanding or meaningful participation. Many users particularly first-time digital adopters, individuals from low-income backgrounds, and elderly populations continue to struggle with basic financial concepts such as interest rates, risk, budgeting, and long-term planning. These challenges are often intensified by complex interfaces, technical jargon, and information-dense platforms that overwhelm users rather than empower them. User Experience (UX) design has emerged as a critical intervention capable of simplifying financial information, guiding user behaviour, and supporting informed decision-making. By applying principles of human-centred design, UX bridges the gap between complex financial systems and users’ cognitive capabilities. Thoughtfully designed interfaces can reduce friction, break down abstract concepts into digestible elements, and provide contextual guidance at moments of decision-making. In doing so, UX design not only enhances usability but also addresses emotional barriers such as fear, mistrust, and anxiety that commonly accompany financial decision-making in digital environments. This paper explores the role of UX design in enhancing financial literacy by examining key design principles, behavioural frameworks, and real-world fintech practices. Using a qualitative methodology based on secondary research and comparative analysis, the study highlights how UX-driven financial platforms can reduce cognitive overload, improve user confidence, and promote inclusive financial participation. By analysing examples from digital banking, fintech applications, and educational financial tools, the research demonstrates how design choices influence user comprehension and behaviour over time.