Loan Leveling System – Merchant Experience
Year
2025
Designed a gamified loan eligibility experience for merchant users, enabling them to unlock higher loan amounts by completing specific business tasks. The goal was to simplify loan access, increase engagement, and motivate consistent transaction behavior.
The feature introduces a progress-based system where users can track their growth, complete milestones, and clearly understand how to improve their loan eligibility. The experience focuses on clarity, motivation, and transparency in financial progression.
Problem Statement
Merchant users lacked visibility into how loan eligibility was calculated and how they could improve it. This resulted in low engagement and confusion around loan benefits.
Solution
Designed a structured, goal-driven experience where users:
Track loan eligibility in real-time
Complete tasks to unlock higher loan limits
Receive clear progress feedback and rewards
Understand exactly what actions improve eligibility
Key Features
Progress Tracking: Visual indicators showing level completion and remaining tasks
Task-Based System: Users complete actions (like transactions) to unlock benefits
Gamification Elements: Levels, rewards, and milestone celebrations
Eligibility Visibility: Clear display of current and potential loan amounts
Feedback & Rewards: Success screens and upgrade notifications
Impact
Increased user engagement with loan features
Improved clarity in loan eligibility process
Encouraged consistent transaction behavior
Enhanced overall user motivation and retention
Scope of Work
