To comply with my non-disclosure agreement, I have omitted confidential information and oversimplified this case study. All information is my own and does not necessarily reflect the views of Guiabolso.
Guiabolso is Brazil's largest financial management app with over 7 million users, available on IOS, Android, and browsers. It integrates with major banks in Brazil, allowing users to view all transactions in real-time, in one place, for free.
Note: On July 2021, the startup was acquired by Picpay, a digital bank with over 66 million users, to play a leading role in the new Open Finance landscape emerging in Brazil.
Considering the breaking even goal or the possible sale of the startup, I was tasked with exploring improvements or new ways to monetize the app. The result was a game-changer feature that boosted engagement and conversion, the Credit Score.
It combined insights from various sources, and the way it was designed and implemented turned out to be a cost-effective solution with high returns. It was a perfect alignment of user needs, business benefits, and practicality for technology.
Product Strategy
Experience Design
Visual Design
User Interviews
Behavioral research
Micro-interactions
Prototyping
Low code development
I initiated a discovery to delve into potential user needs that could be explored. Armed with a good amount of insights from past user research, I execute a quick competition, NPS, app store reviews competition analysis to expand our knowledge and scope of possibilities.
From all this material, one thing stands out, a significant amount of evidence pointing to our user base's desire for more feedback about their financial lives using their data.
I formulated several hypotheses, but due to the company's need for quick results and our limited resources, I had to prioritize one that could be tested easily and swiftly. Keeping this in mind, I gathered the team, and considering the effort versus impact, we opted to test the Credit Score feature. We believed it was the best choice because there were successful market cases to draw inspiration from, and the modeling we used for credit qualification applications was built like a score in our back-end, making it easily adaptable for a front-end experience.
We created a Fake Door MVP and Email Marketing campaign to gauge interest in the feature. The results exceeded our expectations, encouraging us to invest further in the product.
I collaborated closely with the entire team to develop an immersive, simple, and personalized Credit Score experience.
During the design phase, I structured the information architecture for every functionality and related feature under the Credit Score umbrella, educating users about how it works, how to improve it, and the products it provides access to. By establishing connections between interrelated contexts I was able to reduce cognitive load, enchanting user understanding and engagement.
My goal was to create a feature that users could effortlessly connect with by seeing their own data reflected in every interaction. I wanted it to feel both natural and genuinely useful. To achieve this, I conducted multiple rounds of prototype testing, fine-tuning the experience at every step.
Through rigorous testing and technical validations, we arrived at the final version of the Credit Score feature, which includes:
This meticulous process ensured that the feature not only met but exceeded user expectations.
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To guarantee an exceptional user experience, I dedicated careful attention to every nuance of the design and specifications. I closely monitored and supported the development team, preventing errors and unnecessary rework.
There are two key strategies for boosting revenue: driving more traffic and optimizing our conversion funnel. I aimed for both.
In previous tests, we discovered that our users are highly engaged with features that offer insights into their financial lives. We also observed a 32% increase in conversion rates for product offers tailored to this data, compared to generic ones.
By crafting a valuable feature that users return to repeatedly, combined with personalized offers, we cultivated an ideal environment to help achieve our business objectives.
Average engagement statistics show a 27% increase in our Daily Active Users after the score launcher.
Conversion statistics three months after launch show that on average 12% of total purchases on our marketplace were coming from the credit score page.