Conducted rapid concept testing and user interviews with micro, small, and medium enterprise employees to map financial access pain points and existing workarounds.
Employees submitted loan requests via paper forms or informal chat messages, causing delays of 3–7 business days for approval.
No way to track disbursement status, forcing repeated follow-ups with HR and creating anxiety around approvals.
Users expressed distrust of biometric-only authentication, citing device-sharing scenarios common in low-income households.
Many users had never used a digital lending product, requiring onboarding that explained terms in plain, local language.
Designed fallback biometric layers beyond Face ID to accommodate device-sharing and older hardware.
E-commerce-style top-to-bottom progress tracker to communicate loan application status at a glance.
Financial terms translated into plain, everyday Filipino to reduce comprehension friction.
Full mobile prototype and research package — including user flows, concept test findings, and design rationale — delivered within a rapid two-week engagement.
Fallback biometric system designed and validated with users who shared devices, ensuring the product remained accessible to the broadest MSME employee base.
Replaced multi-step manual HR processes with a self-serve mobile flow, dramatically reducing time-to-disbursement and HR administrative burden.