INDU TOMAR
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Pawn Loan Mobile App

The business aims to design a new mobile app for their existing customers, providing them with secure and comprehensive control over their online accounts. This app will streamline access to services, allowing customers to save time by eliminating the need to visit the shop for loan renewals.

Currently, customers can only renew live pawnbroker loans through a basic, limited-option form on the website, which was created during the COVID-19 pandemic. The new app will enhance this experience by offering additional features and greater convenience.

With the new mobile app, customers will be able to access their accounts online, view their pledges, renew them, and pay for their pickup loans and layaway items. Additionally, the business aims to transition to digital communication, moving towards a paperless system.

My Role

UI/UX Designer

Responsibilities

User Research, User Interview Concept development, User Personas, Empathy Maps, Information Architecture, Prototyping

Year

2024

Project Approach

Design Thinking exploration to simplify the complex process

My Responsibilities

  • Loan Management: Visited Stores and conducted user interviews.
  • Analysed insights from user research to define our design opportunity
  • Explored potential design solutions.
  • ‍Presented our design solution.
  • Defined requirements for our solution.
  • Designed a working prototype.
  • Stakeholders usability testing session.
  • ‍Updated the designs based on feedback and presented our design decisions.

Research Findings

I conducted user research and interviews to identify user goals and various pain points in their journeys. One significant pain point was the need to display total dues from various services with different interest rates in a simplified and easy-to-understand manner, especially for users who are not very tech-savvy. Additionally, some services, like pawn loans, involve paying money to the user, while others, like layaway, involve taking money from the user.

Pawned items often have emotional value, so we aimed to make it easy for users to self-serve and manage their accounts through the app. This way, they can pay their pawn loans on time, avoid unnecessary interest, and prevent their items from going to auction.

User Persona

Based on my research, I identified 3 user types in our interviews: active user, passive user, business user. I chose to focus on creating a solution for active user. By addressing active user frustrations, I aimed to design an user-friendly and easy to navigate user journey.

Active user's pain areas:

  • Loan Management: No centralized way to track all her pawn loans and interest rates.
  • Introduce key features for customers, such as obtaining online quotes and renewing pawn loans
  • Information Access: Frustrated with having to open each agreement to see loan details.
  • Payment Reminders: Annoyed by receiving multiple payment reminders via post.
  • Total Due Visibility: Lacks a clear view of the total amount due across all loans.
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User Journey

To gain a deeper understanding of potential pain points from an active user's perspective, I created a user journey map. This exercise helped me to empathise with the user's feelings and identify potential pain points throughout the process. By viewing the experience from the user's perspective, I pinpointed key areas for improvement in our solution, ensuring a smoother and more user-friendly application. Our aim was to create an app that was easy to navigate and made users feel in control.

Concept Development

We started with whiteboard discussions, followed by the creation of paper wireframes to identify all necessary elements. We also developed a low-fidelity prototype to quickly test and validate our design concepts. Based on the feedback received, I updated the wireframes, prototypes, and user flows accordingly, while ensuring that the wider team remained informed and involved throughout the process.

User Testing

The objective of the testing was to identify any issues with the user journey and the app's look and feel, as well as to identify opportunities for design improvements by observing how participants interact with the prototype's features.

Testing Objective

  • Account Registration and Verification: Determine if participants can easily register and verify their accounts.
  • Total Due and Payment History: Assess the ease of finding the total due and payment history.
  • Loan Payments: Evaluate the ease of making partial and full payments for active loans.
  • Basket Concept: Assess how easily participants can use the basket concept to pay for multiple services in one go.
  • Functionality and User Experience: Verify the functionality and user experience of online pawn requests, viewing in-store retail items, and travel money services.
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