Case study · In-app loan payment
Moving loan payments from the branch to the app.
Context
A digital product competing with a physical habit
Users could pay their loan in the app, but a large share preferred going to the branch looking for a printed physical receipt.
The problem
Uncertainty in the financial decision
Users reached the payment moment without clarity on the consequences of their action (principal payments, months paid ahead), which broke trust.
Objectives
Aligning the business with the experience
Business: Reduce operating cost by migrating the operation to digital.
Experience: Remove cognitive load and provide financial certainty.
Discovery & insights
The friction was cognitive, not navigational
Analytics and qualitative research agreed: people were not lost in the interface — they doubted the financial decision.
- drop-off caused by cognitive friction
- ~87%
- drop-off caused by cognitive friction
- Contribution to IMOR reduction
- 5.7%
- Contribution to IMOR reduction
- Digital adoption (target exceeded)
- +33%
- Digital adoption (target exceeded)
