The consortium is a naturally complex product for customers but when acquired in the right way, it can help a lot in reaching life goals.
The big challenge was to build an auto-service on Itaú's website for the customer to simulate and hire this product. This journey should have a simple solution, especially about the content so that the consumer feels comfortable and aware of the decision when contracting the consortium.
1. Analyze old user researches and documentations;
2. Identify the main user and business needs;
3. Analyze the old experience and identify opportunities to improve the journey;
4. Build wireframes and prototypes;
5. Plan and apply user tests and analyze the results;
5. Create a design handoff of the experience, including acessibility.
In short, a consortium is a form of acquisition, based on the union of people who have the common objective of acquiring a product or service, in which each person in this group contributes a monthly amount.
The problems were based on two moments:
1. When the customer analyzes and understands the product;
2. Detailed analysis by Itaú to identify the risks on providing or not a value to a customer.
The high number of business rules makes this product complicated. For example, one customer can be raffled as soon as he starts paying or only at the end of that payment.
In the old version (the image above represents some of the screens) there were many opportunities for improvement, both in experience and content:
1. There was no clear separation between the simulation and contracting moment;
2. Contents were added over time (in the contracting flow) which resulted in the union of information that doesn't have many relationships between them;
3. Information about tax was hidden and not clear;
4. There was no information to assist the consumer in choosing to join a new group of people or an existing one (a very important choice because it directly influences the value of the monthly payment);
To obtain the best test productivity, I identified doubts and hypotheses that should be validated, both in terms of product and design.
Some of them were:
1. Does the user know the difference between the consortium and other Itau products (such as vehicle financing)?
2. What is the best way to simulate this product, by the total value or by the installments?
3. What is the most important information for them when comparing the consortium options?
4. Is it better for the user to view the rates in percentage or in absolute value?
I liked to document the process and that's why I took notes about the hypotheses in the design file.
One of the challenges of creating this simulator was to put all the information the customer asked for in the research, respecting all the accessibility requirements for digital content, which even Itaú follows faithfully.
In this scenario, I made several studies in relation mainly to the application and use of fonts in the layout, as it was necessary to adhere to the requirement of minimum color contrast and minimum text size so that the content is fully readable.
The challenge of redesigning the hiring journey was to balance all legal information and at the same time maintain a more streamlined and friendly experience.
We worked with the most detailed information for each installment (as there is a variation in rates, it isn’t fixed) to make the flow as transparent as possible.
So, the customer can choose to hire a consortium with or without insurance, and for this, we provide the information in a way that the customer is aware of all coverage and values if he wants to hire the insurance as well.
Besides the new experience brought the brand presence stronger than older interfaces, it was planned to attend better the screen resolutions and acessibilty.
Consortium was one of the oldest Itaú's products, that's why we didn't have any metric or data to start the project. We had to find ways not to run out of guides. This is the moment when we can reforce the user research value.