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SWIPE APP
Swipe enables users to view and apply for JetPrivilege cards with partner banks, earning JPMiles with every purchase. The mobile app helps users compare, analyze, and choose the best card for their needs, ensuring well-informed decisions based on comprehensive benefits and features.
PROJECT TYPE
UX/UI
ROLE
UX, Visual Design
YEAR
2019
TYPE
Concept
BACKGROUND
Swipe offers a mobile app that allows users to view, compare, and apply for JetPrivilege cards from partner banks, earning JPMiles with every purchase. The app enables users to make informed decisions by understanding and comparing all card benefits.
TARGET PROFILE
- New and existing JetPrivilege members
- Ages 25-45
- Intermediate web/app users
- Salaried and self-employed professionals
OVERVIEW
Swipe offers a mobile app that allows users to view, compare, and apply for JetPrivilege cards from partner banks, earning JPMiles with every purchase. The app enables users to make informed decisions by understanding and comparing all card benefits.
"Geometric rise in aspirations, arithmetic rise in income - More exposure, more demands, however a slowly rising income – delayed gratification!!!"
INSIGHTS
Through user research with colleagues and friends, I gathered insights about consumer frustrations and preferences:
- Users find dealing with banks and credit card companies time-consuming and confusing.
- Flashy bonuses often mislead users, leading them to choose unsuitable cards.
- Clear communication and easy navigation in apps are essential to help users understand and select the right credit cards.
"I wanted to buy that mobile phone but then I had to wait for 2 months so that I could manage my finances well. But then, by the time I could buy that, there was a newer and more expensive version in the market.
Today, things are coming at such a fast rate that there is no point in waiting for anything.
Today people are like, if you want it, you want it now. Even I do not like to deny my family anything."
In such a scenario, the consumer is looking for something that helps them reduce this income-aspiration gap – thereby bringing their dreams closer
Credit cards bridge the gap between aspirations and income by allowing early realization of desires with a 45-day interest-free period.
Most consumers look upon credit cards as the window of opportunity that aids early realization of dreams
- With their credit facility, credit cards help consumers prepone their purchase and therefore bring the distant future a little closer
- The 45-day period that allows consumer to avail credit without any ‘additional charges’ gives further impetus to its desirability
- Furthermore, while paying interest on a credit card is not desirable, it still seems like a acceptable trade-off for a premature desire appeasement
"Like we can purchase the thing before hand also. Suppose I have to purchase the thing 2 months alter then I can purchase it 1 month earlier.
If you time it right, it is an interest-free loan for a period of 45 days. So if I know that I am going to get that much cash in the next one month, then I go ahead and swipe my credit card. Then I don’t need to wait. "
The role of a credit card therefore revolves around making ephemeral dreams seem like a closer reality
PAIN, PREFERENCES & CONSTRAINTS?
- Not everyone loves dealing with banks or credit card companies. No one wants to spend a lot of time banking, but they still want the security and convenience.
- People are lured by flashy bonuses or rewards before considering whether the rewards actually match up with their spending. That means a whole lot of people are walking around with the wrong credit cards in their wallets.
(For example: People having Diners Club card never go to Lounges, Golfing or travel International)
- The above scenario is created when a website/app does not provide a clear communication or when the information is scattered and cluttered.
- The calculation of reward points and how to redeem points was confusing to the users and they always had to call credit card companies to understand. At certain point users felt hesitant calling card companies.
- Preference is to meet users mental model and their expectations where it is convenient for them to understand the product as per their needs and the goal which they want to achieve.
APPROACH
Design Thinking Process: Empathize, Define, Ideate, Prototype, and Test.
Empathize: Conducted usability tests to understand user experiences, motivations, and pain points.
Define: Analyzed and synthesized observations to identify core problems, focusing on simplifying and enhancing the user journey.
Prototype: Created wireframes and visual designs based on user insights, transforming them into clickable prototypes.
Test: Evaluated prototypes, acknowledging room for improvement but achieving a satisfactory initial design.
CONTENT
Using real-life content from cards.jetprivilege.com and hdfcbank.com, the app design was made lively and relatable, ensuring users could easily grasp the concept.
INITIAL SKETCHES
DESIGN EXECUTION
HOME SCREEN
Offer Carousel: Personalized offers based on user interactions.
Find Card: Assisted and non-assisted guided journeys.
Category Search: Direct search based on preferences.
Enroll Now: Persuasive prompts for enrollment.
Calculate Free Flights: Calculator for free flight estimates.
Articles: Informative content on choosing and using credit cards.
BOTTOM NAVIGATION
Home: Current screen.
Book Now: Marketplace for booking flights, hotels, and transport.
Saved: Save cards for future reference.
Offers: Targeted offers for e-commerce, free flights, additional points, etc.
Redeem: Redeem points with various partners.
LISTING SCREEN
Self-guided Card Selection: Users can filter and compare cards.
User Actions: Read key highlights, expand details, save cards, share with friends, and view ratings and comments.
COMPARE SCREEN
Compare Up to 3 Cards: Consistent information for all comparable products.
User Actions: Overview, detailed comparison, and decision-making based on merits and criteria.
THANK YOU :)
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