X Wallet by Zero Finance
Automated money lending app - Finance
Redefining the Loan Process: From Days to Minutes.
12
Months Duration
UX UI Designer / Branding
Role: 2017 - 2021
External Collaboration
ESDlife, TransUnion, Bank of China, 7-Eleven
It began with a simple observation: Most money lenders in Hong Kong still rely on manual processes and operate over 90 physical branches.
Credit officers and customer service agents were interviewed to gain insights into applicants' frustrations and needs.
68%
Instant approval and disbursement.
32%
Trustworthy lenders, convenience, and no income proof needed.
Borrowers prioritize instant approval and fund disbursement above all.
Jane Wong
Hair stylist
32 / Female
25K monthly income
Jane needs quick cash for expenses like rent or credit card payments. She values fast approval and instant access to funds.
Challenges
Rejected by banks due to bad credit history.
Frustrated with slow approval process.
Goals
She wants to have funds available for urgent needs.
A flexible repayment option.
The initial flow diagram that illustrates the user's journey in the app.
A wireframe was designed to align with users' needs and business goals.
After refining the wireframe, the colors, typography, and components were defined.
Primary, secondary, success, error
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120%
boost in application rate over traditional process.
5seconds
to approve a loan and the entire borrowing process takes around 9 to 12 minutes.
Significantly reduced costs by eliminating the need for physical branches.
What seemed like a simple borrowing process had a complex architecture. The challenge was to design a product that met both business goals and user needs. Listening to end users and stakeholders allows for the continuous improvement of the product.
Due to the nature of the industry, align branding was also important to enhance the product's chances of success.