Accessible loading states are product trust work in React fintech apps A loading state looks small until the user is waiting for something important. In ordinary software, a vague spinner is annoying. In fintech and open banking interfaces, it can create confusion at exactly the wrong moment: connecting an account, approving consent, fetching balances, confirming a payment, or recovering from a failed request. That is why I do not see loading states as visual polish. I see them as part of the trust contract between the product and the user. The problem with vague loading A generic spinner often says only one thing: “wait”. But users usually need more than that. They need to understand: what action is in progress, whether they can safely leave or retry, whether pressing again may duplicate an action, whether the system is waiting on a third party, whether the state is still active or has silently failed. In a fintech flow, those details are not minor. They affect confidence.…