The new era

Upon starting this project, my primary goal was to elevate the app’s level of interactivity, making the journey to securing a loan not just user-friendly, but truly effortless. From the outset, it was clear that this wouldn’t be a static build — the project would be multi-faceted, with numerous iterations, user testing sessions, and evolving user journeys that shaped each phase of development.

We adopted a mobile-first approach from the beginning, ensuring accessibility and a seamless experience on the most commonly used devices. Each prototype marked a significant evolution in usability and innovation.

By Prototype 3, I shifted focus to how we could help users improve their creditworthiness — not just report on it. I researched the intersection of AI and IoT in financial services, uncovering the insight that the more data a user is willing to share, the stronger and more personalized their credit profile can become. This opened up a pathway to smarter lending — one that’s dynamic, data-driven, and tailored to individual behavior.

As the project continued, so did the exploration of new and emerging technologies. Each iteration introduced enhancements based on both qualitative feedback from users and quantitative data from usage patterns. The latest prototype reflects this evolution: it integrates more robust AI capabilities, streamlines the onboarding process, and reduces friction in the overall application journey.

In one of the later explorations, I landed on a concept that significantly shifted the user experience paradigm: an AI assistant that does the heavy lifting for the user. Instead of lengthy forms and decision fatigue, the user simply answers a few easy questions and securely connects their bank. From there, an intelligent bot (available on Facebook Messenger or embedded directly on the site) guides them through the rest — proactively offering loan options, estimating approvals, and explaining terms in plain language.

This vision — one where AI enables financial empowerment with minimal user effort — continues to grow as we adapt to newer tech and user expectations. The attached images reflect the current state of this journey: a smart, intuitive, and inclusive loan experience designed to meet people where they are.