Principles at a glance
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01
Start with the basics – what credit is, when to take it out and when to avoid it
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02
Don’t ask for a credit score, build one with them
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Principles in action
Start with the basics—what credit is, when to take it out and when to avoid it
Principle 01
Credit continues to be a popular tool among last mile users when it comes to managing their finances. But credit can harm a financial picture as much as it can help it. Good design helps users explore both the benefits and risks of taking out a loan for a festive occasion or borrowing to purchase stock for their store. Once the why is established, help users explore the what—including concepts like tenure, interest, and repayments.
Principle 02
Don’t ask for a credit score, build one with them
When it comes to formal financial data, most last mile users are starting from scratch. Design credit journeys that help a user feel proud of where they are, rather than anchoring in the ability to produce something they don’t have. Build creditworthiness through tested methods like starting small, leveraging on-product transactions, and tapping into networks of trust.
Explore other moments in Credit
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Loan Application
Help users understand the terms of their first loan and onboard and apply with ease
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Repayments
Guide repayments to make them feel seamless
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Repeat Loan
Give users tools that empower them to manage their credit and grow their businesses
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Group-based Lending
Empower members and bookkeepers with trust and transparency
