Driva
Optimising Lender Switch Experience
- Web Application
- Motion Design
- EDM
Overview
Driva provides automated finance services that simplifies the loan experience by cutting through the paperwork and complexity that typically makes finance feel intimidating. Driva wants to redesign the lender switch journey to feel less like a bureaucratic hurdle and more like a guided, human experience to decrease drop-off rate from user whose lender has been changed.
Key Results
- 11%Conversion rate from referral leads
- 4.8★App store rating
Role
Team
Timeline
CONTEXT
New auto assessment system led to lower loan settlement
After Driva adopted a new auto credit assessment system, this change led to a lower loan settlement rate (3.94%).
RESEARCH
Three types of tasks within constraint boundaries
When a team hits a hard limit like a low credit score, a designer’s role shifts from a direct fixer to an opportunity finder who bridges user reality and business viability. I interviewed the sales team and tested the app to identify usability issues and uncover these opportunities.
Research methods:
- Interviewing the sales team
- Assessing the current design collaborating with internal financial consulting team
FEATURE 1
Breaking the process with a progress stepper
Problem: Unclear process expectation
Breaking the credit score assessment into visible, digestible stages helps users understand the process and reduces stress during this critical journey. By incorporating micro-animations, the interface transforms a complex system into a manageable experience.
Key details:
- Animated Progress Stepper: Clearly communicates each step of the assessment to guide the user.
- Micro-animations: Break down complex tasks, easing the transition between the active process and the final outcome.
- Separated the credit assessment from the assessment result.
FEATURE 2
Referral service for declined users
Problem: No alternative services for declined users
Referral service in the app
Introduced the referral service as an alternative for declined users. This feature includes:
- Privacy assurance
- Partner brand information
- Highlighted benefits and incentives
Referral lead in the web application
Referral lead EDMs
Designing a templated email system that turns a declined user into a warm handoff — protecting the customer relationship while unlocking a new revenue stream for Driva.
Detailed Design
The template uses dynamic variables — partner name, logo, and wording — so each version feels distinct without rebuilding from scratch. The structure keeps Driva's voice front and centre, transparently communicating that the user's details have been passed on, before introducing the partner in a co-branded layout that frames the handoff as a helpful next step rather than a rejection.
Referral lead EDMs
FEATURE 3
From data to delight: animating the "Good News" moment
Problem: Transform a complex financial process into moment of engagement and delight
I used a celebration animation, specifically a burst of confetti, to reward users when they secure a better interest rate or a strong lender match. This feature turns a standard data screen into a positive, emotional experience for the user.
IMPLEMENTATION
Lottie-file JSON elevates experience efficiently
All animations were built using Lottie, optimised for web performance without sacrificing quality. This approach allowed Driva to elevate its product experience efficiently.
BUSINESS IMPACTS
From engagement to recognition — building a brand viewers remember and return to
After launching the referral feature as a part of lender switch journey, the conversion rate from declined users increased by 11%.
NEXT ITERATION
Streamlining referrals with partner calendar integration
After launching Driva’s referral program, we leveraged post-launch monitoring to track user behavior and engagement metrics. The data revealed a high drop-off rate during the scheduling step, indicating friction in the process. Based on these insights, we iterated on the design by integrating the partner’s calendar into the referral flow, streamlining scheduling and improving referral completion rates.
