Nova Credit
Immigrating to the US is hard enough. Applying for a credit card shouldn’t be.
Web, UX + UI, Information Architecture
Web, UX + UI, Information Architecture
Nova Credit is a fintech, Series A start-up that helps newcomers (immigrants to the U.S.) transfer their credit history and credit score to the U.S. By partnering with international credit bureaus, Nova Credit provides lenders and other third parties with international credit data to help immigrants apply for credit cards, apartments, loans, cell phone plans, and more.
1. Get the users to "check the box" to transfer their credit history
2. Increase number of users who complete application process to approximately 8%
3. Increase user trust and comprehension of Nova Credit as a whole
Users did not understand how to complete the application process, leading to a low clickthrough rate and a high drop-off rate. This prevents users from accessing financial products and prevents Nova Credit from being paid out by third-party partners.
Status: Delivered + Shipped
Role: Product Designer and Design Lead
Tools: Sketch, Invision
Skills: Research, Wireframing, Prototyping
Timeline: 6 Weeks, 2019
Questionnaire: Help users feel that Nova Credit has their best interest in mind by making the experience and product offerings feel tailored to their situation
Modal: Succinctly provides users with the information necessary to complete their application on partnering third parties websites
Lo-fi prototyping was done in parallel to research. I led a workshop with the design team to generate a multitude of ideas to address the issue of comprehension. The brainstorm was framed through the following frameworks:
1) by pages (landing, country, etc) we agreed were best for our scope
2) by design patterns (modal, progress bars, etc)
Based on this brainstorm, 20+ iterations were combined into 5. These prototypes were determined to best address the issue of education and comprehension and, therefore, usability.
In order to accurately test the prototype, I conducted 6 interviews with users who closely match Nova Credit’s user x. They were scattered across the United States, ranged between the ages of 24 to 32 and were highly educated. More importantly. Their immigration status ranged from a few years ago to a few weeks ago, representing the different life stages Nova Credit’s customer may find themselves when looking and applying for financial products.
After feasibility feedback from the client, the 5 lo-fi options were brought down and developed into 3 mid-fi clickable prototypes. Each prototype turned had two options (so 6 iterations total) to test what design elements did a better job of helping the user understand what Nova Credit is, how to use Nova Connect, and how to obtain their Credit Passport.
1. Homepage
Can the homepage help users understand what Nova Credit is and how it works?
2. Chatbot
Can a conversational chatbot provide users with insight when prompted?
3. Questionnaire
Can a questionnaire create a sense of trust and let users fellow more comfortable inputting their personal and financial information?
4. Modal
Can a pre-departure modal succinctly provide users with the information necessary to complete the third party partner application?
5. Progress Bar
Can a progress bar inform users where they are in the flow and where they will go next?