Re-imagined Easy Instalments
VIKESH REVANKAR
About Ninjacart
Ninjacart is a leading agri-tech company in India, specialising in transforming the fresh produce supply chain. The company connects farmers directly with retailers, restaurants, and other businesses through an efficient, technology-driven platform. By eliminating intermediaries, NinjaCart ensures fair prices for farmers and fresh, high-quality produce for consumers. Additionally, NinjaCart provides financial support to resellers and retailers, offering them credit.
My Role
Product designer -
Interactions, User Flows, Prototyping, Research and testing
Team
Product Manager - 01
Frontend Developer - 02
backend Developer - 01
Duration
3 weeks
Backstory
In September 2022, we launched our proprietary QR account, enabling users to collect payments seamlessly. Two months later, we introduced Easy Instalments (often known as EDI), a loan product integrated with the QR account. However, we encountered significant issues with the QR account, leading to a loss of users and impacting the easy instalments business model.
What is Easy Instalments (often known as EDI)?
Easy Instalment is a loan product designed based on the amount collected through the QR account. For instance, if a user collects an average of 2000 rupees daily via QR, the rule engine suggests a loan limit ensuring the daily instalment remains under 2000 rupees. Easy Loans features two programs:
Introducing Easy instalment in QR
Unfortunately, we started facing problems with our QR account, which led us to shut down the whole QR operations eventually, but on the other hand, the users loved Easy instalments (often known as EDI), and we have to figure out a way Easy instalments alive and running.
Problem Space
Given the high demand for easy instalments and the non-operation of the QR account, we needed to find a solution to revive and sustain the program.
Research
This was our chance to start from scratch and re-imagine the whole flow. So, we began by researching
User Interviews (Primary Research)
Competitor analysis (Secondary Research)
Heuristic elevation (Secondary Research)
Key Insights
Keep the “Easy instalments” alive
Clean visuals
Transparency & Trust
Ease on the Daily Instalment amount
Goals
Easy instalments in NTC
Given the high demand for EDI and the QR account no longer being operational, we needed to find a solution to revive and sustain the EDI program.
Discoverability
Application
Loan offer
Personal & Business details
Loan amount and instalment plan selection
Review and final step
States of the loan application
Active Loan screen
User Testing
Location
Huskur market
Participants
04 users
Objective
To gather feedback on the overall experience of
Application process
Active loan screen
Repayment flow
Insights
Impact
Learnings
User-Centric Design
The importance of involving users in the design and testing phases to create solutions that meet their needs and expectations.
Iterative testing and feedback loops are crucial for refining the product and ensuring it delivers a seamless user experience.
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Posted Apr 9, 2025
Re-imagined Easy Instalments
