Generative UI,
the complete guide.
Personalization changed the content. It did not change the screen. Generative UI (GenUI) lets an application compose its interface at runtime instead of showing every user the same screen. Here is what the GenUI framework is, how it ships in production on Flutter, and how enterprises are piloting it.
The same bank app: the static screen beside the GenUI screen
Static app
Illustrative of what GenUI composes, next to the static UI it replaces. Bank of VGV is our in-house demo brand. In production, every surface builds from your design system and your data.
You shipped the model. Customers got a text box.
The screen underneath never changed.
- $19.9B → $143.6B Projected AI investment in banking, 2023–2030, a 32% CAGR. Grand View Research, 2024
- $200–340B Estimated annual value unlock, global banking. McKinsey Global Institute, 2023 · Bain & Company, 2024
- 33% → 30% Virtual-assistant usage is falling, and satisfaction slipped to 687 out of 1,000. J.D. Power Banking Mobile App Study, 2025
A chatbot answers in paragraphs. GenUI answers with the screen.
Static screens give every customer the same layout. Chatbots answer in paragraphs and leave them the taps. GenUI answers in the interface itself, mapped to what the customer is trying to do and ready to act.
Static app
Where it was
Bank of VGV Assistant
How do we hit our house fund faster?
You have $34,200 saved toward your $50,000 goal, which is 68%. Thirty-year fixed rates moved from 5.9% to 5.6% this week, and the 15-year is at 4.9%. You could raise your automatic transfer from $412 to $462 a month, move the portion you won’t touch into a 12-month CD at 5.1%, or review your subscriptions, which total $31 a month across six services. Tell me which of these you’d like to explore and I can check your budget, compare the math on each option, and walk you through setting them up…
Type a message…
Defined
The model decides what to show. Your design system decides what it looks like. It can only use pieces you approved, so it cannot render a screen you would not have shipped.
- 01 · Fixed
Traditional UI
Hand-built at compile time. Every user gets the same screens, and every new state means another release cycle.
- 02 · Reordered
Personalization
Rules reorder fixed content inside a fixed layout. Useful, but the interface itself never changes shape.
- 03 · Generated content
Generative AI
Produces text, images, answers. In an app it usually arrives as a chatbot that answers in paragraphs and leaves you the taps.
- 04 · Generated interface
Generative UI
Produces the interface itself. The screen is composed in the moment from approved components, on-brand and ready to act.
Google ships the GenUI framework for Flutter: the official Flutter GenUI SDK and the A2UI protocol. Nielsen Norman Group defines generative UI the same way: interfaces generated for the user and the moment, not hand-built in advance.
One capability. Three places it shows up.
- 01
Visualization in chats
A conversational interface where the app brokers each turn. GenUI appears inline as cards, blocks, or tool responses.
- 02
Canvas, a co-creator workspace
Chat in one pane, a dynamic canvas in another. The canvas becomes a shared working space where agent-generated UI appears and evolves.
- 03
App integration, native home screens
The agent never talks to the user directly. It works through your APIs, and the app renders GenUI as part of its own native interface.
The same play, in whichever industry you’re in.
The plays are the same everywhere: take one high-intent screen and let it compose for the person in front of it.
- Banking & wealth
Onboarding and upsell that fit the person
A first-time saver and a family running a business should not see the same accounts screen. GenUI composes the next best step from real balances and real intent.
- Hospitality & travel
Offers that arrive as a plan, not a push
“Plan my day” becomes a composed itinerary with the reservation already held.
- Retail & e-commerce
The outfit, assembled from a sentence
“Wedding next Saturday, $500 for a suit and shoes” becomes three complete looks in the shopper’s size, ready to buy.
- Theme parks & entertainment
A day that reshapes itself in the moment
Wait times fall, weather turns, a child melts down. The plan recomposes around the moment.
Not your industry? The play is the same. Tell us the screen and we’ll show you.
The model orchestrates. It never paints pixels.
-
The experience layer
What your customer actually touches. The part of the product where loyalty is won or lost.
-
GenUI · the capability
Interfaces assembled at runtime from a governed catalog.
-
Flutter · the foundation
One codebase rendering native across mobile, web, desktop, and embedded. The reason one catalog serves every surface.
The phone is one surface. GenUI composes them all.
Different customers bank in different ways. GenUI recomposes the experience for every surface, from a laptop to the kiosk in your branch lobby, delivering the right interface at the right moment.
Composed live. Never off-brand.
GenUI runs in bounded zones. The app still owns navigation, fallbacks, and rollout. GenUI owns only the surface inside the zone, with kill switches and measurement built in.
- Before the model runs 01
Authenticate
Every request runs against your identity provider first.
- Before the model runs 02
Sanitize the request
Input is screened by a safety backend on your accounts.
- Before the user sees it 03
Validate structure
Only components from your allow-listed catalog.
- Before the user sees it 04
Validate content
Every binding must reference real records from your systems.
- Before the user sees it 05
Enforce intent
Output is checked to confirm it stays on task.
What it looks like running
- 2024 Nielsen Norman Group names generative UI as a category.
- 2025 Google ships the GenUI SDK for Flutter.
- 2025 Google announces the A2UI protocol.
- 2026 GenUI shows at Google I/O.
- 2026 GenUI Kit goes live for enterprise Flutter teams.
Meet GenUI Kit. The packaged way in.
Our packaged, full-source foundation for adding generative surfaces to the app you already ship. It lands as full source in your own repository.
What ships
- Component catalog built from your design system
- System prompts, the operating logic, as editable source
- Guardrails screening every request in and out
- Quality gates with deterministic fallbacks
- Full source, customer-hosted, Flutter-first
Questions worth asking. Plain answers.
- GenUI
- Interface assembled at runtime from governed components.
- A2UI
- The protocol an agent uses to describe an interface.
- Agentic UI
- Any interface driven by an agent.
- Catalog
- A design system converted into the locked set the model may use.
- Zone
- A bounded place in an app where a generated surface renders.
01 What is generative UI (GenUI)?
An approach where an application assembles its interface at runtime, selecting from a catalog of governed, pre-approved components instead of showing every user the same static screen. The model chooses and arranges components. It never draws pixels and never writes raw UI code.
02 How is GenUI different from generative AI?
Generative AI produces content: text, images, answers. Generative UI produces the interface itself. GenUI sits on top of generative AI: the model does the reasoning, and GenUI turns the result into interface.
03 What is the difference between GenUI, agentic UI, and A2UI?
Agentic UI is the ambition, A2UI is the wire format, GenUI is the discipline: the agent composes only from a governed catalog your team approved.
04 Is GenUI safe for banking and other regulated industries?
Yes, when it is governed. The model composes only from a catalog your review board approves once. Guardrails screen every request in and every response out, and anything that fails validation falls back to a deterministic component. Anything that decides money or carries legal wording stays hand-built.
05 How much does a GenUI pilot cost?
A pilot is scoped like an experiment, not a replatform: one high-intent screen, a target on a metric you own, measured against an untouched control. Typical pilots run four to six weeks with a small senior team, and we give a fixed number at scoping.
06 How long does it take to ship a GenUI proof of concept?
With GenUI Kit, a first generative surface can render from your own design system inside the first week. A measured pilot typically takes four to six weeks. The long pole is usually catalog approval.
07 Does GenUI require Flutter?
The generated surface is built in Flutter. Your own app does not have to be a Flutter app, because the surface embeds into native and web hosts too.
08 What is Google’s GenUI SDK and is it production-ready?
The Flutter GenUI SDK is Google’s official framework for rendering agent-described interfaces over A2UI. Production-readiness comes from what you put around it: a governed catalog, guardrails, quality gates, and measurement. That is what GenUI Kit packages.
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