Redefining Digital Lending for Bharat with Creditt
See how we democratized credit access through inclusive design! This case study shows how our user-centric mobile platform empowered first-time digital borrowers across Bharat and revolutionized embedded lending for underserved communities.
Creditt is a digital lending infrastructure company enabling brands to offer instant, embedded credit products. Their platform provides APIs and SDKs that make it easy to launch BNPL, personal loans, and credit-line solutions—backed by strong compliance and underwriting support
Design is not just what it looks like and feels like. Design is how it works.
- Steeve Jobs
Challenge
Creditt needed a mobile app that could build trust and simplify the complex loan process for first-time digital loan users. The primary challenge was to design a platform that was not only transparent and easy to use for individuals with varied digital literacy levels but also performed efficiently on older devices and in areas with low connectivity.
Approach
We designed with clarity and accessibility at the core. By using simple icons and clean, visual data cards, we made complex loan information easier to understand—even for first-time users. The goal was to reduce cognitive overload and help users feel in control from the start. Knowing that many users would be on older phones or in areas with low connectivity, we optimized the app to run smoothly with lightweight assets and smart loading techniques. We also kept navigation simple and focused, guiding users with one clear action per screen. This helped reduce confusion and made the loan process feel more manageable for people with different levels of digital experience.
Key Findings
Our iterative user research and testing revealed significant improvements across user engagement and task efficiency.
Visual-First Interface
Icons and visual cues made navigation intuitive and lowered the barrier for users with limited reading proficiency.
Seamless Navigation
A single call-to-action per screen reduced user confusion, increasing speed and clarity in completing tasks.
Optimized Performance
The lightweight app ran smoothly even on older devices and low connectivity conditions.
Results
Load times were significantly reduced by optimizing the app for older smartphones, while features like rewards points and achievement levels fostered a gamified experience that led to a notable increase in user engagement and downloads.
Increased
First-time credit activations
Boosted
37%
Engagement in Application Flow
Conclusion
The Creditt+ app successfully enhanced the company’s services by making digital lending more accessible and credible for first-time users. The app’s intuitive design, combined with a focus on performance and a gamified user experience, reinforced Creditt’s position as a forward-thinking financial platform dedicated to a wider audience.
Good design is good business.
- Thomas Watson Jr
