More Flex, Less Form
Adding Installment Flexibility and Shortening the Loan Journey
Baseline
PayPal Ratenzahlung stands out as one of PayPal Germany's flagship credit offerings, acclaimed for its remarkable success. Tailored specifically to a market culture that favors structured spending over revolving credit lines, it empowers users with enhanced purchasing capabilities through customizable installment plans.
My Role: Product design lead
Timeline: 2 months
Platforms: iOS/Andriod and desktop
Disciplines: UX/UI, Prototyping, UX research, and team collaboration
Tools: Figma
Customer Problem
Just like any other culture, Germans sometimes encounter the need to purchase high-value items but may not have the immediate funds to make a lump sum payment. How can we enhance the purchasing ability of a culture that prefers alternatives to revolving credit lines, such as credit cards?
Business Problem
Expand installment flexibility and streamline application to increase German adoption; a 25% increase delivers $2.2M per month in interest revenue.
Goals
Deliver a straightforward, closed-end installment product for German customers with clear, easily understood terms and greater flexibility in plan options, and streamline the application so it can be completed quickly and effortlessly—ensuring the loan remains simple and intuitive from start to finish.
Competitor Analysis
To gain insight into the market's needs, I combined research conducted on our competitors (Affirm, Klarna, Afterpay, etc.) with a thorough analysis of their existing user flows.
User testing
Working alongside our research partner and the globalization team, we translated and tested various workflows to thoroughly comprehend which approach best resonated with our German audience. Our user experience research (UXR) indicated that our users were highly satisfied with the streamlined application process. They encountered no difficulties in understanding each plan, selecting the one that suited their needs best, and successfully completing the transaction.
Prototype was made for German test audience
Final Solution
Increase in conversion
327%
Trending total purchase volume
$181M/mo.
Things I did:
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Partnered across Product, Content, and Globalization to simplify a 4-page application into one page, driving increased usage of PayPal Ratenzahlung.
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Led the design of a localized servicing journey for Germany, improving transparency and ease of loan management.