Discovery phase:
Groundwork and benchmarking
Tactic:
Began with an analysis of the concept from Chinese banking apps and aligned the design with the target market in Indonesia, considering user behaviors, local regulations, and industry needs.
Outcome:
Established the foundation for the feature, with an emphasis on creating a user-friendly experience that could be iterated quickly.
Exploration phase:
Iterative design and Stakeholder Collaboration
Tactic:
Iterative design to simplify the convert installment process, with stakeholder collaboration to align the feature with user needs and business goals.Outcome:
A streamlined design that makes loan tenor adjustments easy for users while clearly communicating updated terms.
Handoff phase:
Final UI is ready and developer ready to develop
Tactic:
Finalized the Convert Installment UI, ensuring alignment with the PRD and covering all edge cases before handing off to development.
Outcome:
The development team was ready to start, with the design fully aligned with the PRD and edge cases addressed.
⏰ Tight Deadlines and Prioritizing Key Features
With only one week to implement the feature, I had to prioritize essential functionality while maintaining high design quality.
Learning:
This challenge honed my ability to make quick, informed decisions, focusing on user needs and business goals while balancing time constraints.
🗣️ Ensuring Design Alignment with Product Requirements
Ensuring the UI design aligned with the PRD and covered all edge cases required constant communication and verification with the Product Manager.
Learning:
This reinforced the importance of collaboration and attention to detail, ensuring that all stakeholders’ needs were met while maintaining design consistency.
♻ Handling High-Pressure Feedback Cycles
Dealing with rapid feedback and making adjustments quickly under tight deadlines tested my adaptability and problem-solving skills.
Learning:
I improved my ability to iterate swiftly and efficiently, incorporating feedback while ensuring the design met user expectations and business objectives.
Purpose:
Introduce the Convert Installment feature, giving users a clear understanding of its flexibility to adjust loan tenors.
Jobs to be Done:
Help users quickly understand the feature.
Encourage users to engage with the new functionality.
Purpose:
Display a list of transactions eligible for Convert Installment, showing Instant Cash and PayLater activities, allowing users to easily identify which transactions can be converted.
Jobs to be Done:
Show key transaction details: transaction activity, date and time, principal loan amount, and product name (Instant Cash/PayLater).
Include an arrow icon to indicate that the list is clickable, initiate the conversion process.
Purpose:
Allow users to extend their loan tenor by selecting a new one, whether they've made repayments on current installments or not, while understanding the impact on monthly repayments and loan balance.
Jobs to be Done:
Display current installment, remaining tenor, and remaining amount.
Show the reduction in the monthly installment after selecting a new tenor, with longer tenors offering lower repayments, starting with the longest tenor to drive user choices.
Highlight the new monthly installment for easy comparison with the current one.
Simplify calculations to reduce decision fatigue while maintaining clarity and transparency.
Provide a clear new repayment plan with the number of payments, new monthly installment, and due dates.
Purpose:
Provide clarity to users by offering additional details about the remaining amount (outstanding principal loan) to avoid confusion.
Jobs to be Done:
Show the remaining amount as the outstanding balance, excluding admin fees and service fees.
Provide a tooltip that explains this detail to ensure transparency and user understanding.
Purpose:
Provide users with a clear comparison of their before and after installment amounts, showing the significant reduction in monthly payments to help alleviate repayment stress. Display key details of the loan with the new tenor and the total amount owed, ensuring transparency and clarity before confirming the loan extension.
Jobs to be Done:
Show a before and after installment comparison, highlighting the significant reduction in monthly payments to reduce user stress.
Display the remaining loan details, including the total loan amount with the new tenor, giving users a comprehensive view of what they will owe.
Include a product and service summary section, outlining key terms, which is required by OJK (Indonesian Financial Services Authority) for loan products, ensuring compliance.
Purpose:
Ensure that the person initiating the Convert Installment process is the actual account owner, providing an additional layer of security before confirming the loan tenor extension, and ensuring that the action is performed knowingly and consciously.
Jobs to be Done:
Prompt the user to enter their PIN to authenticate their identity.
Ensure that the process is secure and the PIN entry is accurate before proceeding.
Purpose:
Provide feedback to the user that the Convert Installment process was successfully completed, displaying the new tenor and new monthly installment. Also, offer an option to reach customer service for any questions.
Jobs to be Done:
Display feedback indicating the successful completion of the Convert Installment process.
Show the new tenor and new monthly installment clearly.
Include an optional help component for users to contact customer service if they need further clarification.
Provide a “Done” button to close the process and return to the main feature entrance.
