Banking on Trust explores how User Experience design can influence adoption and trust in Open Banking payments. The outcomes suggest that clearer, more supportive experiences can encourage greater confidence and uptake. The project offers actionable recommendations for payment providers and broader insights into designing for trust in emerging financial technologies. To reach these outcomes, it combined secondary research and an expert interview to map challenges, followed by a user study of Ryanair’s “Pay by Bank” flow. A redesigned payment journey was then tested in a follow-up study, showing measurable gains in trust and adoption.