User Journey: Before Steps: 5 steps journey Step no. 1: Text fields - Mobile no, Date of birth, debit card details Step no. 2: Income range Step no. 3: Personal details (16 text fields) Step no. 4: Loan offer (5-6 text fields) Step no. 5: Loan disbursement (pop-up)

User Journey - we proposed Steps: 3 step journey Step no. 1: EMI calculations (4 text fields) Step no. 2: Eligibility check with the help of Pan Card no. (1 text field) Step no. 3: Personal details (Text fields)

Keeping in mind, the sentiments which a user would feel, think & do while wanting to get through a personal loan application journey. The problem: Too many problems like for eg. for OTP text fields - letter keyboards popped up. Too many text fields, it is too much to ask from a users. My approach: State of mind - why do you need personal loan? they urgently need money. So the ask shouldn't be too much. It currently needs a lot of details from Pan card no. to Aadhaar card number. And many more details. Each human is conscious about EMI. And they want to pay EMIs each month so it should be in their monthly budget. The outcome: Text fields - Before (40+) after (10) User journey is more humane, personal, and users liking it

That is how we solve the user flow & covered all the edge cases (failure, network wrror) as well.