Illustrative imagery

Financial services20254–6 months

Onboarding with disclosures designed in

Client: A digital lending platform

One of the project’s screens, in a phone frame. It is shown again with its caption under “On screen”.

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  • Product & Experience Design
  • Brand Design
  • Technology & Intelligence

At a glance

The brief. Get more applicants through KYC without hiding a single disclosure.

Client
A digital lending platform
Year
2025
Duration
4–6 months
Scale
Mobile onboarding with video KYC

From brief to result

Disclosures in, not around. How the journey was built.

The brief in full, how we approached it, what we built and what it set out to change.

The brief, in full

Applicants left at the steps that mattered most: the identity checks and the disclosures. The Key Fact Statement was a document to download, consent was a wall of checkboxes, and nobody could say which step lost people.

The brief: get more applicants through KYC without hiding a single disclosure.

Our approach

We designed the disclosures into the journey instead of around it. The Key Fact Statement became a step of its own, readable on a phone, with the figures a borrower needs shown before consent. Video KYC was rebuilt around clear instructions and a way back from a failed attempt.

Every step is instrumented, so the drop-off at each one is measured rather than argued about.

How it ran

  1. Weeks 1–4Blueprint

    The journey and service blueprint, with compliance and operations.

  2. Weeks 3–10Design

    App and web screens, disclosure content patterns and usability tests.

  3. Weeks 8–20Build

    Secure web and app build with analytics on every step.

  4. Months 5–6Release

    A staged release, compared step by step with the old flow.

What we built

A mobile onboarding flow where the Key Fact Statement, consent and KYC steps are designed as part of the journey, measured step by step.

What it left behind

  1. Journey and service blueprint
  2. App and web screens
  3. Disclosure content patterns
  4. Step-level analytics

What changed

The journey is designed so applicants meet the Key Fact Statement as a step they can read on a phone, with consent and KYC inside the same flow, and each step reporting its own completion and drop-off.

Completion figures belong to the client and are published only with their approval.

How it is measured

Picture story

Read on a phone. Where applicants meet the figures.

The pictures on this page are illustrative: licensed stock photography and code-built mock-ups chosen to show the setting, not the client’s own work. Credits are at the foot of the page.

A woman on a grey sofa reads her phone, a bicycle and colourful wall behind her.
Fig. 01The Key Fact Statement, readable on a phone.Vitaly Gariev on Unsplash (opens in a new tab)
A young woman in a rose blazer smiles at her phone on a sofa at home.
Fig. 02Consent inside the journey, not a wall of checkboxes.Vitaly Gariev on Unsplash (opens in a new tab)
A hand ticks the last box of a handwritten checklist on a tablet with a stylus.
Fig. 03Every disclosure step instrumented and logged.Jakub Żerdzicki on Unsplash (opens in a new tab)
A hand writes on a tablet with a stylus at a dark desk.
Fig. 04E-sign comes last, after the figures are clear.Samuel Bryngelsson on Unsplash (opens in a new tab)
A man writes on a tablet with a stylus, seen from above his shoulder.
Fig. 05Operations review drop-off step by step.Rodrigo Rodrigues on Unsplash (opens in a new tab)

On screen

The Key Fact Statement as a step. On the phone and on the web.

Illustrative screens, built in code to show the kind of screen the programme produced — not the client’s own. Open any of them full screen.

Illustration: the web version of the same onboarding, a five-step progress bar with the KYC step active and a document upload panel.
DesktopThe same journey on the web, with the same steps and the same disclosures.
Illustration: a phone at step 3 of 5, the Key Fact Statement, showing loan amount, annual percentage rate, fees and the cooling-off period before the consent button.
PhoneThe Key Fact Statement as a step of its own. Illustrative figures.

Before and after

One long form, then five steps. The same application, before and after.

An illustrative before and after, built in code to show the kind of change the work made — not the client’s own screens. Drag across the picture to compare.

Illustration: a long single-page application form with the disclosures behind a small “Download KFS (PDF)” link and a block of consent checkboxes. Before · one long form
Illustration: the new flow, five clear steps with the Key Fact Statement shown in plain figures before consent. After · five steps
Before · one long formAfter · five steps The same application, before and after. Illustrative.

Brand kit

Navy, mist and one action colour. A palette for plain figures.

The colours with their roles, share of use and contrast, and the typefaces with their jobs. Press a colour to copy its code.

Colour

  • Navy #0E1B4D

    Text

    On white
    16.4:1 AAA
    On near-black
    1.1:1 Fails
  • White #FFFFFF

    Backgrounds

    On white
    1.0:1 Fails
    On near-black
    17.5:1 AAA
  • Action #2F5BEA

    Buttons and links

    On white
    5.5:1 AA
    On near-black
    3.2:1 AA large
  • Mist #E9EEF9

    Disclosure panels

    On white
    1.2:1 Fails
    On near-black
    15.1:1 AAA
  • Confirm #0F8A66

    Completed steps

    On white
    4.3:1 AA large
    On near-black
    4.0:1 AA large
Share of use Navy 35%, White 40%, Action 12%, Mist 8%, Confirm 5%

Type

  • Display and textRegular 400Semibold 600

    A neutral grotesque

    Your loan, in plain figures.

  • FiguresRegular 400

    A monospace with tabular figures

    ₹ 1,234.56 · 12.50% · 0123456789

Specimens are set in this site’s own typefaces as stand-ins; each card names the project’s family.

Outcomes

Judged step by step. Completion, drop-off and time to account.

What each measure is compared with, when it is read and who reports it — and the results, once the client approves them.

The measurement plan

  1. Onboarding completion

    Compared with
    The old single-page form’s completion
    Read
    Weekly through the staged release
    Result
    Awaiting approval Reported by The product lead
  2. Drop-off at each step

    Compared with
    Where applicants left the old form
    Read
    Weekly, by step
    Result
    Awaiting approval Reported by Operations, from the step analytics
  3. Time to approved account

    Compared with
    The median time before the release
    Read
    Monthly
    Result
    Awaiting approval Reported by The client’s credit operations team

Results

Figures pending client approval

We publish results only with the client’s written approval. Until then, the plan beside this is what the programme is judged on, and we can walk you through it under NDA.

Credits

The team and the pictures.

People are named only with their agreement.

Team 8 people

  • Product lead × 1
  • Service designer × 1
  • Product designers × 2
  • Content designer × 1
  • Engineers × 3

Credits

Strategy, design and engineering
Xterra Edze
Screens and before-and-after views
Xterra Edze (code-built illustrations)
Photography
Licensed stock from Unsplash, credited picture by picture

Pictures 9

Licensed stock photography and code-built mock-ups, chosen to show the setting — not the client’s own work.

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