+++++++ Sparkasse Vision Statement

"Credit per Click" - provides a simple digital credit calculation solution.

• Brand Story: Sparkasse offers consumer credit products, nowadays Customers expect to be able to apply for credit fully online without having to visit a branch. On the current Interface Users struggle to move seamlessly from product discovery to application initiation due to unclear navigation, insufficient guidance, and a lack of coherent screen flow. As a result, users experience cognitive friction, uncertainty about next steps, and reduced confidence in completing the credit process.
• Problem Statement:The current interface is non responsive and not suitable for mobile Use Case. We want to make credit applications more efficient. Offering a digitial solution for our clients. In essence, the problem is not a single visual flaw but a structural UX issue: the screen does not adequately support the user’s decision-making process or clearly connect to subsequent actions within the credit journey.
• Users Journey Needs: Make the credit process clear, transparent, secure, and supported from the first interaction to repayment. communicate steps of the process clearly, we need to visualise clarity and simplicity starting the credit process.
  - transparency about costs, rates, and repayment
  - trust & security when sharing personal data.
  - Users need easy access to support when something is unclear.

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  Sparkasse Brand Logo

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  Sparkasse Public City Finanzcenter

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  Define User Needs and UX Metrics

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  Sparkasse responsive "Credit per Click" Solution

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  User Goal: Easy digital Credit Check

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  PAIN: Task Flow Screen Overload

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  PAIN: paperwork overload

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  Solution: Easy digital Credit Check

• Reducing Screen Layout Complexity and User Required Infos. The current landingpage gives less clarity about the key benfits or key steps. With the new approach we wanted to improve that. With Design Exploration we draft options, with less or more content infos provided.
• On the Startscreen above the fold, users dont see the credit calculation, nor the full complexity of the input informations required. Its important to figure out which Questions Sparkasse has to answer pominently to guide the User, they can expect first value output eg, answering 01-Credit requirements, 02-Credit modalities
• Mobile First The current Sparkasse credit onboarding journey is not optimized for digital-first customers. Users face unnecessary friction, long forms, and unclear progress indicators, which lead to high abandonment rates and lost revenue opportunities. At the same time, strict compliance requirements are necessary for trust and are currently hidden.

Evaluate Heuristic UX Design Principles to define features for the credit flow

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  Layout_v1: Startpage Entry Screen (Above the fold no Calculation)

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  Layout_v2: Startpage On scroll Credit Calculation Layout visually Cluttered (no steps, no help)

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  Improved: Layout Solution with UX progressive disclossure Step Guidance

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  Problem: Screen Complexity

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  Friction: Support Calls

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  Qualitative Feedback: Time on Task (Homepage, Section, Feature..)

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  Problem: Screen Complexity

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  Qualitative Feedback: Time on Task (Homepage, Section, Feature..)

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  UX Navigation Task break down

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  Steps requirements break down

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  Design Behaviour/Results Matrix

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  Design UX/UI Focus Priorisation

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  UX improvements: Mobile Touch Friendly

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  UI Touch friendly Icons

We provide clear visible Steps, Contextual clossure with the flex Card scroll Deck