Mission

The Mission feature offers users a flexible credit limit that can be increased, allowing them to manage their spending more effectively. In addition to the adjustable limit, users can also earn a refund and bonus limits based on their usage and activities, creating a more personalized and rewarding experience.

Ⓐ What is the project?

🤔

User Problem

Currently 92% user apply Allo PayLater got rejected. How can we escalate better user acquisition?
Allo Bank wants to increase user acquisition by 10%, specifically targeting users who were rejected for Allo PayLater due to unknown credit scores.
Users are not yet identified in terms of their creditworthiness.

🎯

Objective

User perspective:

Help users improve their credit scores while mitigating risk for the bank.

User perspective:

Help users improve their credit scores while mitigating risk for the bank.

Business perspective:

Enable Allo Bank to acquire 10% more users from the pool of those previously rejected with minimum risk.

Business perspective:

Enable Allo Bank to acquire 10% more users from the pool of those previously rejected with minimum risk.

💡

Solution

Mission Feature:

Mission 1 – Flexible Limit: Users can use their Allo Wallet/MPC points as collateral to get a credit limit. This reduces Allo Bank's risk appetite when granting limits to these users.
Mission 2 – Bonus Limit: Users can complete specific tasks to earn bonus limits as part of a gamified system, rewarding users for positive financial habits.

✅

Impact

User Impact:

Users will be able to build or improve their credit score by utilizing flexible limits and completing tasks for bonus limits. This will help them access credit, enabling better financial inclusion.

User Impact:

Users will be able to build or improve their credit score by utilizing flexible limits and completing tasks for bonus limits. This will help them access credit, enabling better financial inclusion.

Business Impact:

Bank will reduce the risk associated with offering credit to users with unknown credit scores while improving user acquisition and engagement, ultimately leading to growth in the customer base.
Increase user acquistion 72.973 (9,7%) after 3 months release.
User do the mission flexible limit 34%.
Increase revenue form Paylater transaction until 1+ Billion after 3 months release.
Increase PayLater transaction QRIS (68.2%) and Bill Payment (32.6%).

Business Impact:

Bank will reduce the risk associated with offering credit to users with unknown credit scores while improving user acquisition and engagement, ultimately leading to growth in the customer base.
Increase user acquistion 72.973 (9,7%) after 3 months release.
User do the mission flexible limit 34%.
Increase revenue form Paylater transaction until 1+ Billion after 3 months release.
Increase PayLater transaction QRIS (68.2%) and Bill Payment (32.6%).

Ⓑ How was the situation during the project?

Ⓑ How was the situation during
the project?

Ⓑ How was the situation during the project?

Experimental product: The feature adopts concepts from Chinese banking apps to be implemented in Indonesia, with no direct competitors in the market.
Build from Scratch: The project required building the system from scratch, resulting in a highly iterative approach.
Deadline Pressure: Tight deadlines led to fast-paced development cycles and constant iteration.
How Might We: How might we create an innovative feature to improve user acquisition and engagement with minimal data on creditworthiness?

🤔

User Problem

Currently 92% user apply Allo PayLater got rejected. How can we escalate better user acquisition?
Allo Bank wants to increase user acquisition by 10%, specifically targeting users who were rejected for Allo PayLater due to unknown credit scores.
Users are not yet identified in terms of their creditworthiness.

🎯

Objective

Business perspective:

Enable Allo Bank to acquire 10% more users from the pool of those previously rejected with minimum risk.

User perspective:

Help users improve their credit scores while mitigating risk for the bank.

💡

Solution

Mission Feature:

Mission 1 – Flexible Limit: Users can use their Allo Wallet/MPC points as collateral to get a credit limit. This reduces Allo Bank's risk appetite when granting limits to these users.
Mission 2 – Bonus Limit: Users can complete specific tasks to earn bonus limits as part of a gamified system, rewarding users for positive financial habits.

✅

Impact

User Impact:

Users will be able to build or improve their credit score by utilizing flexible limits and completing tasks for bonus limits. This will help them access credit, enabling better financial inclusion.

Business Impact:

Bank will reduce the risk associated with offering credit to users with unknown credit scores while improving user acquisition and engagement, ultimately leading to growth in the customer base.
Bank will reduce the risk associated with offering credit to users with unknown credit scores while improving user acquisition and engagement, ultimately leading to growth in the customer base.
Increase user acquistion 7.2973 after 3 months release.
User do the mission flexible limit 34%.
Increase revenue form Paylater transaction until 1+ Billion after 3 months release.
Increase PayLater transaction QRIS (68.2%) and Bill Payment (32.6%).

Ⓐ What is the project?

Ⓒ UX strategy

⓵

Discovery phase:
Groundwork

Tactic:
Analyzed Phase 1 feedback to identify pain points, alongside a competitive analysis of similar features from competitors like Shopee PayLater.
Outcome:
Identified the need for an automated, flexible solution for convert installment, ensuring the design aligned with user needs and competitive standards.

⓶

Exploration phase:
Iterative design and stakeholder collaboration

Tactic:
Focused on iterative wireframing, firming up user flows and visual content, while working closely with stakeholders to gather feedback and refine the design direction.
Outcome:
Developed key components of the feature, ensuring alignment with business goals and user needs.

⓷

Handoff phase:
Final UI is ready and developer ready to develop

Tactic:
Finalized the Mission 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.

Ⓓ Challenges & learnings

Challenge:
Navigating the uncertainty of adapting features from Chinese banking apps to the Indonesian market, requiring continuous refinement to align with user needs and local context.

Learning:
Gained a deeper understanding of the importance of stakeholder collaboration, especially in an experimental feature, and how crucial it is to iterate quickly based on real-time feedback.

Mission

Thank you for reading 🙏🏼

See another project

Convert Installment - Allo Bank

Do the mission to get bonus limit.

Booking Course - EduAlecta

Online booking with offline sessions.

Let’s
Collaborate

mail.septihidayah@gmail.com -

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Let’s
Collaborate

mail.septihidayah@gmail.com -

Instagram

Let’s
Collaborate

mail.septihidayah@gmail.com -

Instagram

Ⓐ What is the project?

Ⓐ What is the project?

🤔

🤔

User Problem

🎯

🎯

Objective

💡

💡

Solution

✅

✅

Impact

Ⓑ How was the situation during the project?

Ⓑ How was the situation during the project?

Ⓑ How was the situation during the project?

🤔

User Problem

🎯

Objective

💡

Solution

✅

Impact

Ⓐ What is the project?

Ⓒ UX strategy

Ⓒ UX strategy

Ⓒ UX strategy

⓵

⓵

⓵

Discovery phase: Groundwork

⓶

⓶

⓶

Exploration phase: Iterative design and stakeholder collaboration

⓷

⓷

⓷

Handoff phase:Final UI is ready and developer ready to develop

Ⓓ Challenges & learnings

Ⓓ Challenges & learnings

Ⓓ Challenges & learnings

Thank you for reading 🙏🏼

Thank you for reading 🙏🏼

See another project

Convert Installment - Allo Bank

Convert Installment - Allo Bank

Booking Course - EduAlecta

Booking Course - EduAlecta

Let’s Collaborate

mail.septihidayah@gmail.com -

Let’s Collaborate

mail.septihidayah@gmail.com -

Let’s Collaborate

mail.septihidayah@gmail.com -

Ⓑ How was the situation during
the project?

Discovery phase:
Groundwork

Exploration phase:
Iterative design and stakeholder collaboration

Handoff phase:
Final UI is ready and developer ready to develop

Let’s
Collaborate

Let’s
Collaborate

Let’s
Collaborate