Progressive Leasing is a Fintech focused on leasing items rather than relying on credit. This helps people with low or no credit scores get what they need without further dinging their credit. Progressive Leasing relies on customer input to mitigate against fraud and those that abuse financial systems.

Progressive Leasing is a Fintech focused on leasing items rather than relying on credit. This helps people with low or no credit scores get what they need without further dinging their credit. Progressive Leasing relies on customer input to mitigate against fraud and those that abuse financial systems.

Initial Task

To create an application process that focuses more on our in-store kiosks and tablets. To transition from an old antiquated system to a more merchant-rich experience.

Discovery

In-store kiosks were on their way out and being deprecated. We were required to implement third-party software by a specific date for exclusivity, and our old antiquated system had many custom pathways for all our merchants.



Finally, we discovered our team was one of four teams with internal applications all depending upon the point of origination.

Solution

A single Application that replaces not only the old custom applications but also replaces our internal competitors.



A system that allows anyone to plug the application into their flow and adjust some parameters to gain the information needed by the merchant and our internal decisioning system.



A more secure and owner-verified access point to keep PII and other access to the system better secured.

Initial Task

To create an application process that focuses more on our in-store kiosks and tablets. To transition from an old antiquated system to a more merchant-rich experience.

Discovery

In-store kiosks were on their way out and being deprecated. We were required to implement third-party software by a specific date for exclusivity, and our old antiquated system had many custom pathways for all our merchants.



Finally, we discovered our team was one of four teams with internal applications all depending upon the point of origination.

Solution

A single Application that replaces not only the old custom applications but also replaces our internal competitors.



A system that allows anyone to plug the application into their flow and adjust some parameters to gain the information needed by the merchant and our internal decisioning system.



A more secure and owner-verified access point to keep PII and other access to the system better secured.

Want to see more of my work? Check out my

accounts during this transitional period.

Want to see more of my work? Check out my

Understanding the problems

Understanding the problems

Early on in the process, I discovered that there are a few areas that need to be adjusted before we can release our initial MVP.

  • Too many internal handoffs in a flow

  • Multiple applications already in use

  • PII and security risks

  • Lease-based not consumer-based data​

Restructuring roles and responsibilities

I began working closely with the other designers that were a part of our flow and we seemed to be passing the user back and forth. Luckily for the user, they wouldn't notice too much of a transition back and forth other than some slight UI differences. When one of the designers left the company I volunteered to take on that team so the restructuring could happen a lot quicker.

I began working closely with the other designers that were a part of our flow and we seemed to be passing the user back and forth. Luckily for the user, they wouldn't notice too much of a transition back and forth other than some slight UI differences. When one of the designers left the company I volunteered to take on that team so the restructuring could happen a lot quicker.

Unified Profile Service

Team 1

UPS was over the security portion of the UI while also handling a lot of back and forth between ProgApply and the database.

By refocusing them to purely maintain the backend and support the APIs the team was more open to handling security requests and the overall architecture of the user data

ApproveMe

Team 2

ApproveMe is one of many entry points to begin the application process. within this, there were a few screens that would collect user consent and phone number which it would be passed to UPS for verification.


By giving this to ProgApply, not only is the styling more consistent but the dependencies on that team went to zero.

ProgApply

Team 3

ProgApply now owns the entire application flow and UI.


They become an end-to-end product that can now move forward toward my enterprise vision. This allows more consistency in both look and experience.

Unified Profile Services' Vision:

“To Create, Store, and Update User Profile Information by securely Validating and Authenticating the Consumers Identity.”

"We know everyone."

ProgApply's Vision:

“To be the one global source of all applications for both merchants and consumers within all our product offerings.”

"We gather your information."

Focus on Communication and Collaboration

Expanding Entry and Exits

We launched our beta test at the end of Oct 2022.

Early test results (Nov 2023)for ProgApply show a higher application approval rate than other internal applications by as much as 65% .

Roadmap & next steps

We agreed that the most important task was to increase the conversion rate while maintaining customer retention since these are the product's most important KPIs.

SMART Flow

Reduce the amount of data required of consumers. Serve up requests as needed during the process.

Third-party banked connection

Convert a manual banking process to a secure, trusted integration.

Promote and replace application usage

Expand the single application source to replace the isolated applications throughout the organizations.