Principles at a glance
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01
Help people stay on track with their repayments
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02
Allow flexibility and forgiveness within limits
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Principles in action
Help people stay on track with their repayments
Principle 01
Users often manage their cash flows in days and weeks, not months. Repayments can sometimes fall off the radar as other financial needs take precedence. Good design builds for a guided and easy repayment experience by helping users anticipate upcoming payments and motivating them to stay on track.
Principle 02
Allow flexibility and forgiveness within limits
Cash still reigns supreme, especially for users like merchants who predominantly earn in cash and are reticent to convert that cash to digital. Provide flexibility through multiple repayment modes in cash and digital, and build in room in your financial model to account for the human at the other end.
Explore other moments in Credit
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Discovering Formal Credit
Help users understand what’s involved in getting a loan
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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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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
