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From Complex to Click: Simplifying Digital Lending for Bharat

Creditt is one of India’s leading microfinance companies, lending digitally to over 3mn users.

We stepped in to help reimagine Creditt’s mobile application, web application & front-end website through comprehensive UI & UX design to reflect the accessible, transparent lending solution to a wider audience.

the challenge

First we gave the Creditt+ experience a new structure
A competitive space, with many compliance-related restrictions and technical challenges. We needed to translate complex financial conditions, interest calculations and also develop a rewards programme from scratch to help Creditt stand out in the microlending segment.
our approach

Discovery
Phase

Design Strategy
& Mockups

User-centric
Design

User Testing
& Iterations

We gained a complete understanding of Credit’s business model, target audience, and competitive landscape, through user & key stakeholder interviews, secondary research and existing client data.

Our strategy focussed on bringing out Accessibility, Transparency, Security and Reward-based loyalty. 

We created user flows for the key pages, followed by detailed flows for every potential journey the user could follow in the app and web application, developed into low fidelity wireframes. This was followed by high-fidelity prototypes including animation and microinteractions.

Through user feedback, we optimised the journey and interactivity of the app, then applied the same to the web application.

key findings

Based on extensive user testing, the Creditt+ app improved task completion rates by 25%, thanks to simplified navigation, clear visual cues, and optimized performance.

2 Months

Time investment from ideation to completion
the conclusion

The Creditt+ app effectively transformed financial management for India’s next billion users by using intuitive visuals, bilingual support, and performance optimisation. Its user-friendly design and thorough research-driven approach made it a valuable tool for its target audience and making loan taking easier.

Everything is designed.
Few things are designed well.

– Brian Reed
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