How to make finance feel easy and fun

Driva’s transition to the Equifax auto credit assessment system caused a drop in settlement rates to 3.94% for applicants who had their lenders switched. This decline stems from a stressful, overly long, and text-heavy transition process that triggers user complaints and lacks engaging navigation.

Core Problems:

• ·Lower Performance: Settlement rates dropped to 3.94% after switching lenders.
• ·Negative Feedback: Applicants are actively complaining about the switch process.
• ·Poor User Experience: The transition journey is long, stressful, dry, and confusing.

The objective is to redesign the lender switch journey into an intuitive, guided, and human-centred experience. By integrating micro-animations rooted in Driva's renewed brand identity, the interface aims to lower user tension and transform a bureaucratic process into moments of engagement and delight.

Key micro-interaction details:

• ·Humanise the Process: Transition the journey from a dry hurdle into a supportive, guided experience.
• ·Ease User Tension: Deploy micro-interactions strategically to reduce stress during high-friction decision points.
• ·Inject Brand Delight: Use brand-aligned animations to make the heavy data flow feel light, responsive, and engaging.

Waiting without context is one of the most anxiety-inducing parts of any financial process. The progress stepper micro-interaction addresses this directly by breaking the credit assessment into visible, digestible stages.

Key micro-interaction details:

• ·A clear, animated progress stepper that communicates each stage.
• ·Micro-animation helps breaking down complicated process to easily digest between the process and the outcome.

Animation doesn't just inform — it expresses. When users reach a positive outcome, such as securing a better interest rate or a stronger lender match, Driva marks the moment with a burst of confetti. It's a small touch, but it transforms what could be a plain data screen into a genuine celebration — making users feel rewarded, not just informed.

The lender switch process involves significant information — referral services, privacy disclosures, partner benefits, and incentive structures. Without thoughtful pacing, this can overwhelm users or cause them to disengage. Micro-animations introduce visual rhythm throughout the journey, drawing attention to what matters and giving users natural moments to pause, absorb, and move forward with confidence.

All animations were built using Lottie, optimised for web performance without sacrificing quality. This approach allowed Driva to elevate its product experience efficiently.

After launching the referral feature as a part of lender switch journey, the conversion rate from declined users increased by 11%.