Success Story - Loan Payment
Moving loan payments from the branch to the app.
Context
A digital product competing with a physical habit
Users preferred going to the branch seeking the certainty of a printed receipt.
The problem
Uncertainty in the financial decision
The flow did not explain the consequences of each amount, generating abandonment during the transaction.
Objective
Aligning business and experience
Migrate the operation to digital, reducing branch costs and eliminating cognitive load.
Key insight
The friction was cognitive, not navigational
Users were not lost in the app; they doubted which payment option was right.
- Starting point
- 67%
- Drop-off caused by cognitive friction (33% base adoption).
- Adoption achieved
- 64%
- Target exceeded (expected range: 50%–60%).
- IMOR achieved
- 3.3%
- Achieved reduction of -1.4% (initial base: 4.7%).
