As part of thinkmoneys ongoing effort to help customers get control of their finances, they partnered with CredAbility to provide our existing customers with easy access to their credit scores.

This helps our customers improve their scores without needing to sign up for other third-party services.

Brief

My brief was to produce high-fidelity designs for this feature based on our existing UX patterns and CredAbility's great design. I had two days to have an initial concept design ready.

In Scope

• Show credit score and status.

• Provide context on the customers' credit score.

• Make it clear that CredAbility provides credit scores.

• Promote credit scores on the homepage.

Out of Scope

• Designs for input screens when more data is needed.

• Actions to improve the score.

• Showing the score on the homepage.

Research

With such a tight deadline and without any time for customer research, I relied on the work done by CredAbility and captured every step of their journey.

I discovered that most of the CredAbility user journey was to sign up and confirm a customer's identity. We're lucky in that our customers are already checked and verified as part of our onboarding KYC (Know your Customer) checks.

This means we can reduce friction in this journey by omitting those steps. We already know who our customer is.

Advertising the feature

Part of our in-scope work includes promoting the credit score feature on the "home page" of the app.

So I took inspiration from the work our our current team to product a temporary banner. It features a re-drawn gauge icon that already features on the marketplace screen.

It tells the customer where the feature is, and the background is from our current marketing pack. The link in the marketplace has been changed to name-drop CredAbility to make that partnership as clear as possible.

Customer Opt In

We need access to their credit reports before we can show our customers their credit scores. This needs opt-in consent from the customer. We have an existing design pattern for this for some work we've done with Mojo Mortgages.

Using that as a template, I've created an Opt-In page. This allows us to explain what happens when "See my credit score" is tapped; The exact wording for this is to be confirmed.

• CredAbility Branding features at the top of the opt-in page and uses the wording “powered by”.

• The use of a placeholder illustration makes an otherwise dull page more interesting.

• Use of existing ghost button pattern.

• Clear language explains what happens when you opt-in to see your credit score.

Credit Score

Here are the final screens that CredAbility shows its customers. Remember that many of the features in this design are out of scope.

Using those as inspiration, I've made the score explanation feature satisfy another of our in-scope requirements.

I've used the basics of their credit score presentation - like ClearScores - and simplified its design to harmonise with the thinkmoney branding.

I've removed CredAbility's custom credit score wording and used Experian's for simplicity. It's likely we'll perform some research on this in the future.

The main call to action is to get more context on what other scores would mean for the customer - another in scope requirement.

A secondary call to action is to go back home - or where you came from.

Prototype

I built the experience as a prototype to give those involved in the project a clear picture of what we want the user journey to be.

Select full-screen mode or open in your browser for the best experience.

Summary

Let's review our in scope requirements.

• We're showing the customers credit score and status.

• We're providing context on the customers credit score.

• We've made it clear that credit scores are provided by CredAbility on every screen and in the copy.

• We've promoted credit score on the homepage.

Great, we've met the design brief. And we've delivered the designs on time, gold star for me! ⭐