- Product design
- UX research
- Design system
- Prototyping
Finanzcheck, credit you can finally see.
People take out credit they don’t understand, then phone an advisor to ask the basics: what’s my rate, how much is left, can I pause? I designed a credit-management app that put the answers on the screen: one clear overview, status without a phone call, and a path to refinance for those who could.
The work
The app, overview screen
Application status
Loan, approved
Credit comparison
Requesting a payment pause
The file behind it
Wireframes, the component library, and every screen.
Thirteen screens, four tabs. The user journey, the wireframes, the component library with its variants and states, the spacing and radius scale, and every final screen.
Open the Figma fileOverview
One place to see every credit, and what to do about it.
Finanzcheck is Germany’s leading independent credit-comparison platform. Customers compare offers and apply through it; bank partners issue the credit and advisors handle the human touch.
After applying, customers were invited into a logged-in app: all their credits in one view, real-time application status, the answers to the questions they used to call about, and, for those who qualified, a clear path to refinance to better terms.
The problem
Most people don’t understand their own credit.
User interviews and the credit advisors' own feedback surfaced a consistent blind spot. People held credit they couldn’t describe, and didn’t realise how much of their financial life counted as credit in the first place, which is why they kept phoning advisors to ask.
Their own rate
The individual interest rate on each credit: unknown.
What’s left to pay
Remaining runtime and balance: opaque.
Their conditions
Early-payoff penalties, pause options, fees: unclear.
What even counts
Instalments, overdraft, even unused cards: all credit.
That confusion was a business problem twice over.
Cost 01
Advisors stuck on status calls
After applying, customers called repeatedly to check status and ask the basics. Advisor time on those calls was time not spent advising and closing new clients.
Cost 02
Refinancing left on the table
Most users didn’t know refinancing was an option. With a clear picture, eligible customers could switch to better terms, value the platform was missing.
The bet
Make credit legible, and the calls take care of themselves.
If the app answered the questions people called about, clearly and in plain language before they had to ask, call volume drops and trust goes up. And once someone can see their full position, refinancing stops being a sales pitch and becomes an obvious, mutual win.
For the user
Lower cost, less to juggle
Lower interest, a better score, fewer credits to track.
For the platform
Revenue and retention
Refinancing revenue and retention, with fewer support calls.
For the banks
A clean handover
The old loan is paid out; the new partner earns the book.
User journey
From a credit you can’t see to one you control.
Same person, one path. The app steps in exactly where users used to pick up the phone, and turns the dead-end after approval into a reason to come back.
My role
Owned the concept end to end.
- Ran the qualitative research that surfaced the knowledge gap.
- Owned the product concept and defined the beta scope.
- Designed the flows, wireframes and interactive prototypes.
- Coordinated with advisors for testing and validation.
- Ran the internal beta with the advisors.
Impact
Validated in beta. Honest about the rest.
Validated
Backed by the leadership
Cleared internal scrutiny and won backing from the CBDO, CMO, Lead PO and Head of Advisors.
Advisors
They saw the relief
Internal advisors reported the app would cut the inbound status calls that ate their day. With the status visible in the app instead of an advisor call, we estimated at the time a 75 percent drop in status update calls.
Paused, not failed
Reprioritised in COVID
Built as an internal beta and slated for development. The first lockdown put the company entirely onto the funnel, everything else was cut, and the app never launched.
The whole file, on request.
Wireframes, the flow drafts, the component library with its variants and states, the spacing and radius scale, and every final screen. It is client work, so the file is password protected. Ask and I will send the password.