In-App Credit Renewals

Quipu: AI credit scoring for unbanked micro-businesses in LatAm.

Year

2025

Role

Product Designer (UX/UI)

How we moved a key flow to the app to improve retention, scalability, and data capture.

Credit renewals had been a known pain point for some time. Due to strategic and cost constraints, the process was handled via a landing page and manual data upload. With the development of new credit-scoring algorithms and the need for more precise data, we pushed to migrate the entire renewal flow into the mobile app. This move also enabled new opportunities such as payment centralization and feature activation.

Results / Impact

Acquisition: Requiring credit renewal through the app led to a significant increase in application downloads.

Activation & Retention: Centralizing credit management and payments in one place boosted recurring app usage and reduced operational friction.
Internal Efficiency: Achieved a significant reduction in manual workload and improved the quality of user-submitted data.

70% of users expressed a need for an integrated credit and payment experience within the app. As an MVP, we introduced “Manage my credit” and “Pay” buttons, connected via API to external service providers. This reduced friction and eliminated the need for redirects, streamlining the experience.
We implemented home screen personalization based on user segmentation to improve the multichannel experience, boost engagement, and increase retention. Now, depending on each user’s profile and credit status, the app dynamically displays relevant products and benefits, offering a more contextual and meaningful experience.

Problem

The existing flow was fragmented, high-friction, and difficult to scale.
It relied on manual processes, lacked automation for key data capture, and required users to navigate through external links.
It also missed the opportunity to centralize credit visibility and payment management inside the app.

Project Goals

Automatically capture key data needed for risk algorithms
Increase app adoption and engagement
Reduce friction and manual dependency
Enable additional features like in-app payments, notifications, and scalable UI components

Role & Collaboration

As a Product Designer (UX/UI), I collaborated closely with Growth, Development, Risk, and Data teams to ensure alignment between business goals and technical feasibility.

Partial view of the handoff documentation: includes the full user flow with high-fidelity wireframes covering multiple user scenarios, alongside a view of the design system with tokens applied to buttons, text, and surfaces.

Process

Research: Audit of the existing flow, pain points, and competitive benchmarking, complemented by user surveys and conversations with customer service teams.

Prioritization: Definition of a lean MVP focused on collecting key risk-related data

Design:

Visual and interaction redesign of the entire flow
Ideation workshops with stakeholders
Scalable UI component updates

Validation:

With Data (key inputs and formatting)
With Tech (feasibility and architecture)
With Risk (credit rules and compliance)
With Growth (testing strategy and success metrics)

Handoff & Support: Structured documentation, design handoff via Figma, and close follow-up during implementation

Challenges, Trade-offs, and Learnings

One of the biggest challenges was migrating a process that had historically relied on manual operations into a scalable digital experience—at a time when business priorities were just beginning to shift in that direction. We had to balance the urgency of capturing key data for new credit-scoring models with the need to avoid overloading the development team or adding friction for users. We opted for a lean, data-focused MVP that allowed us to validate quickly without compromising the quality of the experience. This approach taught us that business timing can be just as critical as design itself, and that when teams align early, even limited-scope solutions can unlock deeper, long-term transformation.