Spark - A fintech case study
A case study showing a flow for an API for providing pre-approved loans
Spark - A fintech case study
A case study showing a flow for an API for providing pre-approved loans
Spark - A fintech case study
A case study showing a flow for an API for providing pre-approved loans
Designed a pre-approved loan journey called Spark, an embeddable API flow for banks and NBFC apps. This UX case study focuses on creating a fast, clear, and secure borrowing experience within existing financial platforms.
Designed a pre-approved loan journey called Spark, an embeddable API flow for banks and NBFC apps. This UX case study focuses on creating a fast, clear, and secure borrowing experience within existing financial platforms.
Designed a pre-approved loan journey called Spark, an embeddable API flow for banks and NBFC apps. This UX case study focuses on creating a fast, clear, and secure borrowing experience within existing financial platforms.
Client:
Client:
Client:
Case study
Case study
Case study
My Role:
My Role:
My Role:
UX and UI Designer
UX and UI Designer
UX and UI Designer
Year:
Year:
Year:
By integrating various APIs at different levels, we reduced cognitive load from users and simplified the journey to three easy steps
By integrating various APIs at different levels, we reduced cognitive load from users and simplified the journey to three easy steps
By integrating various APIs at different levels, we reduced cognitive load from users and simplified the journey to three easy steps
Service Provided:
Service Provided:
Service Provided:
UX/UI Design, Mobile App design
UX/UI Design, Mobile App design
UX/UI Design, Mobile App design
Problem statement:
Problem statement:
Problem statement:
Banks and NBFCs are providing Pre-approved loans to users but creating a customised flow is difficult due to government regulations and enhanced User experience.
Banks and NBFCs are providing Pre-approved loans to users but creating a customised flow is difficult due to government regulations and enhanced User experience.
Banks and NBFCs are providing Pre-approved loans to users but creating a customised flow is difficult due to government regulations and enhanced User experience.
Goal:
Goal:
Goal:
The goal is to build a flow for providing pre-approved loans that can be embedded into existing Banking apps. It should be customisable in terms of UI and steps/information required.
The goal is to build a flow for providing pre-approved loans that can be embedded into existing Banking apps. It should be customisable in terms of UI and steps/information required.
The goal is to build a flow for providing pre-approved loans that can be embedded into existing Banking apps. It should be customisable in terms of UI and steps/information required.
Solution designed:
Solution designed:
Solution designed:
By integrating various APIs at different levels, we reduced cognitive load from users and simplified the journey to three easy steps
By integrating various APIs at different levels, we reduced cognitive load from users and simplified the journey to three easy steps
By integrating various APIs at different levels, we reduced cognitive load from users and simplified the journey to three easy steps
How it all started
How it all started
Domain study
Domain study
Domain study
MoneyView Loan Journey Analysis As part of competitive research for designing an embedded loan flow, I mapped the complete personal loan journey of the MoneyView app.
This included onboarding, eligibility checks, KYC processes, and disbursal steps. The goal was to identify UX patterns, pain points, and compliance elements in real-world lending apps.
Similar flows from other apps were also studied to benchmark best practices and inform decisions for designing a smoother, modular experience.
MoneyView Loan Journey Analysis As part of competitive research for designing an embedded loan flow, I mapped the complete personal loan journey of the MoneyView app.
This included onboarding, eligibility checks, KYC processes, and disbursal steps. The goal was to identify UX patterns, pain points, and compliance elements in real-world lending apps.
Similar flows from other apps were also studied to benchmark best practices and inform decisions for designing a smoother, modular experience.
The final showdown
The final showdown
Creating a legit flow
Creating a legit flow
Creating a legit flow
Creating the user flow was the crux of this project. As it is an API style flow that needs to be embedded in any Banking and NBFC apps, everything from the UI to the required details need to be customisable by the Parent app. The proposed flow does just that. It incorporated majority if not all use cases related to applying for a Pre-approved loan and allows users to go through a seamless journey.
Creating the user flow was the crux of this project. As it is an API style flow that needs to be embedded in any Banking and NBFC apps, everything from the UI to the required details need to be customisable by the Parent app. The proposed flow does just that. It incorporated majority if not all use cases related to applying for a Pre-approved loan and allows users to go through a seamless journey.
Wondering how it looks?
Wondering how it looks?
Creating wireframes
Creating wireframes
Creating wireframes
For the purpose of this case study, A parent Banking app was selected and the happy flow was created in wireframes to understand the user experience and the workability of the flow. The same wireframes were tested against various scenarios and edge cases to ensure a smooth banking experience.
For the purpose of this case study, A parent Banking app was selected and the happy flow was created in wireframes to understand the user experience and the workability of the flow. The same wireframes were tested against various scenarios and edge cases to ensure a smooth banking experience.
How it works
How it works
Step 1
Step 1
Step 1
View your pre-approved loan amount instantly. Use intuitive sliders to adjust the desired amount and tenure. A dynamic card below updates in real time to show repayment details, helping you make informed decisions effortlessly.
View your pre-approved loan amount instantly. Use intuitive sliders to adjust the desired amount and tenure. A dynamic card below updates in real time to show repayment details, helping you make informed decisions effortlessly.
Step 2
Step 2
Step 2
Verify your aadhar API pulled details and If approved choose where the funds should be deposited. If you have an account within the app, proceed seamlessly. If not, follow a separate flow to link your external bank—ensuring flexibility for all users.
Verify your aadhar API pulled details and If approved choose where the funds should be deposited. If you have an account within the app, proceed seamlessly. If not, follow a separate flow to link your external bank—ensuring flexibility for all users.
Step 3
Step 3
Step 3
Once approved, use the interactive tracker to track all payment, send reminders for upcoming dues, and previous transaction history all in one dashboard.
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