Credit Monitor

Taking control
of your finances

Taking control
of your finances

Credit Monitor

Taking control
of your finances

Credit Monitor

Credit Monitor

Taking control
of your finances

Taking control
of your finances

Credit Monitor

Taking control
of your finances

Credit Monitor

Credit Monitor

Taking control
of your finances

Taking control
of your finances

Credit Monitor

Taking control
of your finances

Credit Monitor

Project Role: Product Designer (UX Focus)

Company: Moneysupermarket

Platform: IOS / Android

Year: Dec 2017 - Dec 2018

The Challenge

Create a brand-new credit score service

Moneysupermarket wanted to further expand their moneysaving toolbox, we were tasked with creating a new service that helped people understand their credit score and gave them the full picture of their credit situation.

Role

My role evolved and developed throughout this project, starting as the only product designer then transitioning into a predominantly UX role working alongside a UI designer.a

My role evolved and developed throughout this project, starting as the only product designer then transitioning into a predominantly UX role working alongside a UI designer.

Challenges

Time. As always, tight deadlines meant quick work. However, this was made better by working alongside a brilliant external development team.

As always, tight deadlines meant quick work. However, this was made better by working alongside a brilliant external development team.

Competitor analysis

Finding a gap in the market

Building on learnings from an existing MSM Group credit proposition - Credit Club, we believed there was a gap in the market to help people better understand their credit score & situation .


This product was intended to be a flagship product for the new MoneySuperMarket brand re-fresh instilling “Money Calm”.

Building on learnings from an existing MSM Group credit proposition - Credit Club, we believed there was a gap in the market to help people better understand their credit score & situation.


This product was intended to be a flagship product for the new MoneySuperMarket brand re-fresh instilling “Money Calm”.

Flows, sketching and prototyping

Flows, sketching and prototyping

Flows, sketching and prototyping

Design process

Rapid ideation

Getting the right people involved early was key, we ran workshops which involved methods like generating a Value Proposition Canvas along with Crazy 8s to get the ideas flowing.

After collating all the favoured ideas I was able to begin creating our first view of the new Credit proposition.

Design process

Refine the idea

We began sketching ideas, piecing together how this app and these new features could work.


Once we had a clearer idea of how these pieces linked, we refined our sketching with some internal user testing to make sure we hadn’t veered off in the wrong direction and moved into the next phase…

Design process

Test with users

Next we tested our ideas with new and existing MSM users. With these users we were able to learn much more than with our internal testing. This proved invaluable helped align the product with an upcoming re-brand and get back on track with delivery.

Credit Scores are a reflection of ‘you’

User insight

Understand the impact of a score

Credit scores are confusing and can have a huge negative impact on users. We found people considered their score to be a representation of themselves.


Those with a lower score found that the colour red was really
off-putting whereas something more neutral seemed to ‘soften the blow’ .

Break down complexity

Education

Keeping “you” in the know

Control is key to our users, being able to understand their current financial situation needed to be a key selling point of the product.


A credit report holds an immense amount of data on a person and their finances, breaking this down and keeping it digestible was important for our users and this has had a very positive reaction within the app since its release.

Education

Explaining a complicated system

Many of our users had trouble or were still having trouble with debt. Signing up for a credit card seemed like the worst idea ever, but we also knew this was a prime opportunity for the business and that we could genuinely help users IF we created the right journey, the right way.


With this in mind, we set out to build the most helpful product journey we could.

Education

Break it, break it down

Control is key to our users, being able to understand their current financial situation needed to be a key selling point of the product.


A credit report holds an immense amount of data on a person and their finances, breaking this down and keeping it digestible was important for our users and this has had a very positive reaction within the app since its release.

Education

Make it work for the user

Working with the UX writer (who was also our credit expert) we set out to make the simplest and quickest flow to get users to the right products.


Confident that our solution would work, but aware of our constricted time and resource, we decided to present this flow back to stakeholders with one full version and two paired-back versions.

The end result

Key learnings and takeaways

Question everything.
Having prior knowledge about the subject was useful but taking a step back and reviewing what we ‘knew’ often produced better results.

Collaborate at all levels.
Working closely with the Head of Product & Product managers helped both the UX and Development team keep in line with each other.

Compromise was key.
We had strict, unrelenting timelines, the only way we were able to achieve what we did is down to compromise from many parts of the team and the business as a whole.

Pick your battles.
We could’ve become a blocker to the project, instead, we took the time to understand all the requirements where they came from and how we could provide the best result for everyone.