[BrianHutch]

You are spot on on UI changes. My octogenarian father called last year telling me his bank account had been hacked. Long story short, his bank had put an interstitial ad for loans showing a vacation beach scene between the login page & the account summary page he was used to. With his eyesight and patience level he didn't notice to scroll down for the "continue to your accounts" link. Ergo, only explanation was that he'd been hacked.

This took way too long to diagnose now that I live hundreds of miles away.

I wish UX designers would slow their roll on things like this in sensitive applications like online banking. There are times for ads and times for when ads should not be present.

[cameronfraser]

Most of the time, it is not UX designers that are the problem here. There aren't UX designers who are like, "yeah let's make a shitty experience where you have to click through for no reason". It's someone on the business side forcing them to do it.

[JohnFen]

I used to think this, but then I started reading UX industry papers and websites. Now I think that the problem is a combined effort.