Easy monthly installment buying app for electronics

Project Overview

A leading bank in the Middle East aimed to launch an application tailored for migrants, students, and middle-income groups who find it difficult to purchase electronic items with a lump-sum payment. Their goal was to provide a user-friendly app that allows customers to easily track their EMIs and access special offers.

Problem & Solution

Problem Statement

Migrants, students, and middle-income earners often struggle to afford devices with one-time payments. Lack of flexible payment options and EMI tracking tools adds to financial stress.

Offers are missed, payments get delayed, and users are left with no clear visibility into their dues or benefits. A simple, centralized solution is missing—one that empowers users to track, manage, and plan their purchases with ease.

Illustration
Illustration

Possible Solution

  • Instant EMI Application & Approval: Quick KYC, eligibility check, and instant EMI approval.
  • EMI Tracking Dashboard: View active EMIs, payment history, and due reminders.
  • Personalized Offers: Smart deals based on usage, with timely notifications.
  • Secure Document Storage: Keep invoices and agreements safely in one place.
  • Financial Planning Tools: EMI calculator and budget planner for smart decisions.
  • Multilingual, Simple UI: Easy-to-use interface in multiple regional languages.

User Research

We conducted user interviews and surveys to understand financial struggles, identify pain points in big-ticket purchases, and design a solution that enables hassle-free EMI management with personalized offers.

Qualitative Questions

  1. How do you currently purchase high-value electronics or appliances?
  2. Have you ever avoided buying something due to the inability to pay in full?
  3. What challenges have you faced while applying for EMI or credit-based purchases?
  4. How do you keep track of your EMI payments and due dates?
  5. Have you ever missed an EMI payment? What happened as a result?
  6. What features would make EMI management easier for you?
  7. How do you feel about sharing your financial documents digitally?
  8. Can you describe a situation where a flexible payment option helped you?

User Key Insights

  • Users often avoid purchases due to lack of upfront funds and fear of debt.
  • EMI systems are complicated, with slow approvals and limited transparency.
  • Users want real-time EMI tracking, reminders, and clear schedules.
  • Cashback and personalized offers boost interest but are often missed.
  • Managing invoices and agreements across platforms is frustrating.
  • Privacy and trust are key concerns when sharing financial info.
  • Users prefer simple, multilingual apps with transparent terms.
  • Notifications for due dates or expiring offers are essential.

Survey Results

What best describes your current status in the Middle East?

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What is your current monthly income range (in JOD)?

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What is your current occupation? / What do you do?

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How do you usually purchase electronic items?

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What type of electronics do you plan to buy in the next 6 months?

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How important is the option of EMI in your purchase decision?

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Are you currently using any app to manage your EMIs?

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How often do you check EMI status or due dates?

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Which of the following features would you like in an EMI app?

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How comfortable are you using mobile banking or finance apps?

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What kind of special offers would interest you the most?

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How likely are you to use an app that has EMI tracking & offers?

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Wireframing
Next, I focused on defining the precise user interaction flow within the app. Here are some of the wireframes we finalized.

Final Screens

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