EG Specimen No. 01About
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Sheet
Sample 01
Status
Launched
Year
2024
Cut
Designer's cut

One app

Trust in the first 5 minutes. Card on the way in about 15.

One app screen: Start. Checklist and what you'll need.
01StartChecklist and what you'll need
One app screen: Identity. Selfie capture.
02IdentitySelfie capture
One app screen: Offer approved. Limit and rate.
11Offer approvedLimit and rate
One app screen: Choose rewards. Shopping, cashback or travel.
13Choose rewardsShopping, cashback or travel
One app screen: Personalise. Card colour and name.
15PersonaliseCard colour and name
Product
One credit card, Banco Atlántida, El Salvador
Title
UX/UI Analyst
Role
Designed the whole product, discovery to launch
Team
1 PM, 1 PO, 10 developers
Platform
iOS and Android
Scope
Funnel strategy, flows, identity checks, UX writing, UI, interaction specs, build QA

A The problem

People avoid credit because they don't trust it.

One is a credit card you apply for entirely on your phone, with no branch visit and no bank executive walking you through it. That leaves the screens to do the reassuring.

The job was to replace anxiety with control, without giving up fraud prevention or compliance. The first five minutes decide whether someone keeps going; the rest of the application takes about ten more.

B Three moments

A predictable start

The first screen answers “what's next?” before anyone asks: a checklist of what to have ready and a five-step progress bar. Identity is checked with a guided selfie, so the strictest step is also one of the shortest.

One app screen: Start. Checklist and what you'll need.
01StartChecklist and what you'll need
One app screen: Identity. Selfie capture.
02IdentitySelfie capture

The offer, in plain numbers

The decision arrives in the flow, with the limit and the rate on one card and how long the offer stands. Choosing a rewards plan is a guided choice between three, and the screen says up front that it can't be changed later.

One app screen: Offer approved. Limit and rate.
11Offer approvedLimit and rate
One app screen: Choose rewards. Shopping, cashback or travel.
13Choose rewardsShopping, cashback or travel

Something to own

The last steps make a digital product feel tangible: pick the card colour, choose how your name appears, and read exactly how the benefits work before the card ships.

One app screen: Personalise. Card colour and name.
15PersonaliseCard colour and name
One app screen: Benefit details. How the plan works.
14Benefit detailsHow the plan works

C What we decided

  1. 01

    Trust is the conversion lever

    People tie credit to hidden fees, charges they never approved and losing control. Anxiety peaks at the identity and terms steps.

    Decision

    Preview everything: fees, limits and timelines. Show progress and what happens next at every step.

  2. 02

    One flow, very different people

    Security-first, benefits-driven and sceptical applicants all pass through the same screens, and it has to feel safe and simple to each of them.

    Decision

    Disclose progressively, and let the microcopy adapt: reassurance, benefit framing and a way to get help at the right moments.

D Principles

  1. 01

    Control by default

    The applicant is in charge at every step.

  2. 02

    Transparent outcomes

    Clear states remove the guessing.

  3. 03

    Fast, not rushed

    Speed with clarity, never confusion.

  4. 04

    Safe and compliant

    Fraud prevention that doesn't punish legitimate applicants.

E Character set, 15 screens

One app screen: Start. Checklist and what you'll need.
01StartChecklist and what you'll need
One app screen: Identity. Selfie capture.
02IdentitySelfie capture
One app screen: Phone. 6-digit code.
03Phone6-digit code
One app screen: Address. Map and location details.
04AddressMap and location details
One app screen: Email. Contact details.
05EmailContact details
One app screen: Personal details. Profile and education.
06Personal detailsProfile and education
One app screen: Employment. Workplace and contract.
07EmploymentWorkplace and contract
One app screen: References. Empty state.
08ReferencesEmpty state
One app screen: Add reference. Bottom sheet entry.
09Add referenceBottom sheet entry
One app screen: References list. Personal and family.
10References listPersonal and family
One app screen: Offer approved. Limit and rate.
11Offer approvedLimit and rate
One app screen: Offer unavailable. A clear no, with a waitlist.
12Offer unavailableA clear no, with a waitlist
One app screen: Choose rewards. Shopping, cashback or travel.
13Choose rewardsShopping, cashback or travel
One app screen: Benefit details. How the plan works.
14Benefit detailsHow the plan works
One app screen: Personalise. Card colour and name.
15PersonaliseCard colour and name