Problem
New users joined the platform but not staying in the long run
88%
DESKTOP
Device Usage of Web trafic
as of 2023
Mobile
12%
Designing Website Experience: Building Trust and Bringing Clarity to B2B Lending & Credit Management website
Timeline: 1½ Month
Role: Product Designer
Team: 2 Product Designer (me), 2 Product Managers, 2 Developers
CONTEXT
Credo Chain is a fintech lending platform that issues short-term credit (credits/loans) to verified businesses for to purchase their material from vendors. Buyers receive a credit limit based on their profile and use it to pay vendors.
Challenge
How can we build a transparent, trusted system that keeps buyers and vendors engaged for the long run?
Learnings
Complex Systems Need Simple Experiences
B2B financial workflows are inherently complex, but simplicity is what drives
Transparency Encourages Retention
Transparency isn’t a feature — it’s the foundation of user loyalty in fintech
pain Points
Wrong payments issue
Vendor receiving late payments
Missing due date & paying overdue charges
using Excel sheets and WhatsApp to send invoices
Manual verification chaos
Lack of structure and trust
MY DESIGN STRATEGY
Note down key steps from each
persona
Ideate features on website to help that specific persona
Strategy
Strategy (User flow)
L1 receive &
review invoice
Accepts
Rejects
L2 (owner) review
Final approval.
On acceptance, credit is transferred CredoChain account to the vendor
Vendor uploads
invoice
Key Step 1
Designed a dashboard for buyers provides instant visibility and control over their entire credit journey
Key Step 2
introduced a two-step approval process (L1 & L2) to maintain financial accurac And accountability Money Disbursal
Key Step 3
Simplifying Credit Repayments with Clarity, and Complete Transparency helps businesses plan cash flow more efficiently
Instant Credit Overview
Creating financial visibility and helps users act quickly without switching between pages
A Command Center for Every Buyer
Allowing buyers to stay informed and in control at every step of their credit journey.
Improved Transaction Security
prevents unauthorised or accidental payments and ensures that every disbursal is fully verified
Enhanced Transparency & Collaboration
Builds confidence in the system’s reliability and provides a clear audit trail for every action.
Reduced Payment Delays
Status indicators keep users proactive about upcoming dues.
This improves payment discipline, reduces interest penalties
Increased User Confidence
It transforms a once-stressful process into a predictable and ensures smooth relationships with vendors and CredoChain
I am always happy to discuss new ideas and opportunities.
Crafted with love by Sai vamshi