Fintech · Lending · 2016 to 2017
Payspoon
Micro-credit for India's young dreamers
For millions of students and young earners in India, borrowing even ₹800 for books or ₹600 for a cab was nearly impossible without a credit history, and you can't build a credit history without credit.
Banks saw them as too risky, and lending processes were slow and painful for small amounts.
I led product design strategy, brand identity and UX architecture for a credit product built on trust rather than credentials.
- [ 01 ]
Deep research
100+ interviews, campus visits and field study with 16 to 35 year-olds, plus meetings with banks, lenders and vendors to understand where the process broke.
- [ 02 ]
Start small, grow trust
Micro-credits under ₹1,000: repay on time and unlock higher limits, building creditworthiness as you go.
- [ 03 ]
One-tap onboarding
Registration using India's national ID data bank, minimal steps and instant vendor payments at cafés, telecom and essentials.
- [ 04 ]
Designed with dignity
Colour, typography and space used to make the app feel personal and supportive, not judgemental.
A category-defining micro-credit product, with beta testing widening the audience from 35 up to 50-year-olds.
Brand, UX framework and product architecture that supported early growth and investor readiness.
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