Chill Money was launched to offer customers what the traditional Irish banks were not – a straightforward and accessible personal loan experience. I was responsible for designing this new digital experience from end-to-end.
The focus was on simplicity, to strip back the layers of jargon and bureaucracy to reveal an intuitive customer journey that would empower users to get the loan they want, on their terms, in their own time. Read the Case Study →
Client
Chill Money
Year
2017
Role
Lead UX/UI Designer
Many focus group members referenced concerns about being declined, as well as the impact on their credit rating when applying for a loan online.
To encourage users to engage with the application process, I designed four short steps after which a quick calculation would estimate their ability to repay the loan – without checking any credit history info.
This initial interaction between the user and application was crucial to set the tone for the entire experience and as such, went through numerous iterations of prototyping and usability testing.
The layout of the application form made use of white space and neutral colours to create a clean, spacious interface with bolder colours drawing the eye to input fields and CTA buttons.
To keep users focused on the task in hand, I split the question set into five easily-digestible groups.
On tablet and desktop, a sidebar is fixed on the right of the screen, clearly displaying the information that focus groups had identified as reasons for mistrusting other loan providers.
The Chill Money Hub was designed to alleviate the problems surrounding identity verification – a major stumbling block from the user perspective as well as the most costly inefficiency in the back office.
It was designed and tested with mobile usability at the forefront, as it allowed the user to take a photo of their document with their phone and upload the file directly to the Chill Money Hub for verification.
Once their documents have been uploaded and verified, the user receives an email inviting them to log in once more to electronically sign the loan agreement and complete the process.
