Designing AI Summaries for Smarter Financial Search

Search is one of the highest-intent entry points in any consumer-facing apps and this is applicable to MoneyLion as well. Users arrive with questions about financial topics they don’t fully understand yet, often before they know which product applies to them. Although search already included AI-generated summaries, they lacked structural clarity and a clear path into deeper exploration.

This initiative explored how AI summaries embedded directly within search could help users make sense of complex topics with less effort, while offering a clear, optional path into deeper guidance through chat.

A key principle throughout this work was treating AI as search-scoped assistance, not a persistent personal advisor.

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Current search experience on MoneyLion app

Problem

Many financial searches are exploratory rather than transactional. Users arrive trying to build a basic understanding before they know which product applies to them.

Search already surfaced AI-generated responses alongside products and content. However, the experience did not meaningfully reduce the effort required to understand complex financial topics.

The AI output felt dense, introduced noticeable latency, and did not clearly support deeper exploration. Clarity was still largely left to the user at a moment when it mattered most.

To build that understanding, users were expected to:

1

Scroll through multiple results

1

Navigating between links created friction and did not guarantee clarity.

2

Interpret unfamiliar terminology

1

Complex financial terms increased cognitive effort at the moment users were trying to learn.

3

Piece together information across sources

1

Users still had to synthesize fragmented content on their own rather than being guided toward a clear mental model.

Opportunity

If search could intentionally structure and integrate AI-generated insights at the moment of intent, we could:

1

Lower cognitive load

2

Support faster comprehension

3

Increase user confidence before any action

Rather than turning search into a full assistant, we saw an opportunity to layer understanding into the existing experience.

Goal

The goal was to transform search into an understanding layer:

Surface structured AI summaries that help users quickly form a clear mental model

Enable deeper exploration through an optional, query-scoped conversation mode

Preserve trust by keeping AI focused on the current question rather than positioning it as persisten

Problem statement

How might we reduce the effort of understanding complex financial topics in search, while creating a natural path to deeper help?

Project scope

This project focuses on:

AI-generated summaries embedded directly in search results

Query-scoped transition from summary to deeper conversation

Core conversation patterns and guardrails to support contextual exploration

Design principles

To address these gaps, our design centered on three principles:

☺️

Clarity before depth

Help users grasp the essentials before inviting exploration.

🧠

Scoped intelligence

AI should respond to the current query without implying memory or advisory relationships.

🏢

Structured simplicity

In a text-only environment, hierarchy and formatting become the primary UX tools.

Challenges

1

Search-intent vs. assistant mental models

1

Although the interface used conversational patterns, the intent remained search-driven.

We had to carefully design interaction cues that avoided triggering expectations of memory, personalization, or ongoing advisory behavior.

Embedded within Insights cards

Assistive agents within Products & Offers

Current AI products on MoneyLion app

2

Designing for text-only outputs

1

The model supported text-only responses, with no charts or visual explanations. This meant structure, hierarchy, and language had to carry the full burden of clarity.

We treated formatting and information design as primary UX tools rather than enhancements.

That makes it feel like craft, not limitation.

3

Designing for guardrails instead of content

1

Unlike traditional product work, I was not designing static content. I was defining constraints around what the system could say, how it should say it, and where it should stop.

This required:

  • Defining tone boundaries
  • Establishing structural templates
  • Anticipating edge cases
  • Aligning closely with engineering and risk teams

The work shifted from crafting screens to shaping system behavior.

Design exploration

As we explored how users could move from summary to deeper understanding, we considered two interaction models.

1

Dedicated deep dive page

1

This approach used a clear call-to-action that brought users into a full-page AI experience.

It created space for richer conversation and gave AI a stronger identity. However, it pulled users out of search and required a moment of commitment. AI began to feel like a destination rather than a support layer.

This risked shifting the mental model from search to assistant.

OPTION 1

Button as an entry point to a dedicated full page chat interface

Design exploration #1

2

Integrated within search tabs

1

Instead of a separate page, AI was embedded within the existing search tab structure.

Users could move between Overview, Products & Offers, and AI-supported deep dive without leaving the search context.

This preserved continuity and encouraged broader exploration. AI remained scoped to the query rather than becoming the primary surface.

OPTION 2

Integrate AI chat into the search tab bar so it feels embedded within search, representing a change in mode.

Design exploration #2

Decision

We chose design exploration #2: integration over elevation.

The goal was not to pull users deeper into AI, but to support their exploration within search. Keeping AI within the tab structure reinforced its role as an understanding layer rather than a standalone assistant.

Key design decision

1

Distinct AI behaviors for summary vs. chat

1

We defined two different modes of intelligence:

  • Summary mode focused on neutral, factual synthesis.
  • Conversation mode allowed warmer, contextual reasoning.

To prevent advice drift, we created tone constraints and prompt guidelines that avoided personalized language or prescriptive framing. The summary needed to inform, not advise.

This separation helped clarify mental models.

  • Summary builds understanding.
  • Conversation supports reasoning.

Longer latency model running on the background with full response, formatted with sections and titles for increase readability

CHAT

Surface mentioned MoneyLion products in the response to lower barrier of friction

ML PRODUCTS

Allows user to ask better questions to dive deeper

RELATED

Uses fast response model with 1 paragraph & bullet point key details for ease of understanding

SUMMARY

Show design of AI summary and chat (focus on the content of the responses)

2

Designing structure and guardrails as a safety mechanism

1

Because the model output was text-only, we relied heavily on formatting and hierarchy, such as:

  • Clear headings
  • Bullet points and spacing
  • Short, structured sections

We tested multiple summary structures and found that short labeled sections with clear spacing improved scanability compared to dense paragraphs. Structured formatting reduced perceived complexity even when content length remained similar.

We treated structure not just as readability, but as a trust mechanism.

No formatting in response

BEFORE

Paragraph & key details in bullet points for scalability & ease of reading

AFTER

Show response formatting

3

Query-scoped conversation

1

One of the biggest risks was unintentionally signaling persistent memory.

To prevent this, we:

  • Anchored conversation entry to the original search query
  • Avoided language implying long-term context
  • Defined clear reset points between sessions

This ensured continuity within the question, not across the user’s history.

4

Intentional AI loading states

1

AI latency introduces uncertainty, especially in financial contexts.

Instead of a generic spinner, we designed loading states that:

  • Reflected the user’s query
  • Used non-linear motion to signal active generation
  • Reinforced that the system was responding in the moment

Loading became part of the interaction design, not an afterthought.

Loading animation while waiting for response (~5 sec)

🎉 Final Design

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What is the impact of a hard credit inquiry on your credit score?

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It could permanently lower your score

43,235 votes • 21 hours left

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Click here to find out how much home you can afford!

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12

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1k

Add a comment...

INSTANT LOANS

Amount to borrow..

$500

$1,000

$5,000

Other

Purpose of the loan..

Debt consolidation

Pay off

Credit Card

Home Improvements

Large purchases

Other

See my offers

Your insights

Showing only what matters to you

Jun

Jul

Aug

$25K

$20K

$10K

$5K

$0

Cash In

$12,450

Cash Out

$17,450

$12,450

Cash flow

Updated 10/31

Daily Expense

Updated Daily: Oct 10 2023

$107.00

Food and DiningFood and

CTA

9:41

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Search results and content are provided on an “as is” and “as available” basis. Search results are not comprehensive and do not represent all available information. MoneyLion makes no warranty as to any search results, or as to the accuracy, reliability, timeliness, or content of any information, service, or merchandise that may be obtained through the use of its app, website or platform. The content of any search results should not be construed as financial, legal, or tax advice, and is intended to be used for general educational use only.  See Terms and Conditions and Privacy Policy for more information.

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If you need cash quickly, there are several options to consider:

  1. Evaluate Your Expenses: Look for non-essential spending you can cut back on temporarily.
  2. Sell Unused Items: Check your home for items you no longer need and sell them online or at a garage sale.
  3. Freelance or Gig Work: Explore short-term job opportunities in your area or on online platforms.
  4. Cash Advance: If you're a MoneyLion member, you can use the Instacash service for a cash advance to cover immediate needs. Just open the MoneyLion app, tap 'Instacash' in the 'Accounts' tab, link your checking account, and if you qualify, request the funds you need [1][2].
  5. Create a Budget: Start tracking your income and expenses to find ways to save for future needs.

Stay proactive and adjust your financial habits for better stability!

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How can I access cash quickly?

What borrowing options are available to me?

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If you're considering a cash advance, it's essential to understand your needs first. Ask yourself if it's for an emergency or a planned expense. Once you have clarity, review the terms of the cash advance carefully, looking for any fees and interest rates to ensure they fit your budget.

Get funds quickly

MoneyLion offers Instacash®, an optional service that allows you to access a portion of your paycheck with no interest, no mandatory fees, and no credit check. Your available advance limit is displayed in the MoneyLion app and is based on your direct deposits and account transaction history. Standard delivery takes up to 5 business days, but if you have a RoarMoney account, you can receive funds in about 2 business days. For quicker access, Turbo delivery is available for a fee, allowing you to get your cash in minutes.

To make the most of a cash advance, consider these tips:

  • Pay it back quickly to minimize costs.
  • Create a budget to manage future expenses and avoid relying on cash advances.
  • Start building an emergency fund by saving small amounts regularly to protect against unexpected expenses.

Taking these steps can help you navigate cash advances more effectively. If you have more questions about Instacash® or need assistance, feel free to ask!

Like

2 sources

MoneyLion tools for this

Instacash

Get paid up to 2 days early and access higher amounts of Instacash.

RoarMoney

Set up your RoarMoney now to access InstaCash instantly.

Related

How can I access cash quickly?

What borrowing options are available to me?

How do I withdraw or transfer my available balance?

How to earn extra money using MoneyLion

You can earn extra money in MoneyLion a few quick ways:

Instacash®: Get a cash advance if you’re eligible, with no interest.

Earn & Offers: Complete offers, surveys, or tasks to earn real cash rewards.

Cash Back: Earn cash back when you shop or use your MoneyLion card.

Direct Deposit: Getting paid through MoneyLion can unlock higher Instacash limits and more perks.

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Get cash

a few seconds ago

Get cash

If you need cash quickly, there are several options to consider:

  1. Evaluate Your Expenses: Look for non-essential spending you can cut back on temporarily.
  2. Sell Unused Items: Check your home for items you no longer need and sell them online or at a garage sale.
  3. Freelance or Gig Work: Explore short-term job opportunities in your area or on online platforms.
  4. Cash Advance: If you're a MoneyLion member, you can use the Instacash service for a cash advance to cover immediate needs. Just open the MoneyLion app, tap 'Instacash' in the 'Accounts' tab, link your checking account, and if you qualify, request the funds you need [1][2].
  5. Create a Budget: Start tracking your income and expenses to find ways to save for future needs.

Stay proactive and adjust your financial habits for better stability!

Like

2 sources

Related

How can I access cash quickly?

What borrowing options are available to me?

How do I withdraw or transfer my available balance?

How to earn extra money using MoneyLion

Looking up available ways to get cash…

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Enhanced animations on MoneyLion today

Key learnings & takeaways

This was my first time designing for AI, and it felt fundamentally different from traditional product work.

In most experiences, I shape the content directly. With AI, the content is generated dynamically. Instead of designing fixed outputs, I was designing the guardrails around what the system could say, how it should behave, and where it should stop.

The work shifted from crafting screens to defining boundaries. Tone, structure, and scope became critical tools for building trust.

This project changed how I think about design. AI is not just about adding intelligence. It is about shaping behavior with intention and restraint.

- End, thank you for reading! -