Athena Home Loans mobile app (UX/UI)
I helped design the first-ever mobile app for Athena Home Loans, an Australian fintech lender experiencing rapid growth.
📱 React native app for iOS + Android
View the app
Who
Jason Wall (Lead Mobile Designer), Will Tapp (Mid UX/UI), Tim Walter (Head of CX), Morgan Coyle (Design Director).
What
Give homeowners the tools and insights they need to manage their mortgage on the go.
When
Completed over 9 months in 2022.
Where
Sydney, Australia.
Foundations
Athena is a fintech startup on a mission to shake up the mortgage market in Australia. With low fees and clever branding, their vision is to arm homeowners with the tech they need to save time, money and stress. I was part of a team that was chosen to design and develop Athena's first mobile app. The existing web portal was rudimentary and its functionality didn't live up to its challenger brand proposition. In order to fully realise Athena’s vision, we set out to create a mobile platform that combined financial wellness with effortless self-service.
“Arm mortgage holders with the tech they need to save time, money and stress.”
Explorations
Our first task was to unearth some 'aha' moments to help define the Athena experience on mobile. We did this through rapid ideation that allowed us to test and learn. Our team conducted research, such as task flows analysis, opportunity mapping and a landscape review. We then ran workshops with Athena such as 'crazy eights' sketching to quickly generate a range of concepts. Within weeks, we created a series of wireframes and prototypes, ready for our first round of testing.
Skills used:
Workshops
Stakeholders
Ideation
Sketching
User flows
Prototypes
Considerations
Our first tests focused on the home page, information architecture and customer 'jobs' such as checking loan balances. At this stage, we wanted to understand which concepts the participants found most intuitive and valuable. We did this by conducting moderated sessions with real Athena customers. These tested different concepts, designs and navigation patterns through interviews and task observations. The main challenge was balancing the tension between creating a groundbreaking product and ensuring it was still intuitive and easy to use.
Testing highlights:
80% of customers we spoke to preferred a fixed bottom style navigation
80% of participants favoured seeing their loan details in a modal with options to drill down into finer detail
60% of the people we interviewed said having a visualisation of their loan balance would be ‘nice to have’
“The graph is pretty cool, but it might get annoying after a while. I just want to get in quickly and check my next repayment.”
— Participant, 31 years old
Developments
At this point, we made some tough decisions to invest in features with the highest value, to ensure users could complete their primary 'jobs to be done' with ease. We did this through prioritisation workshops that struck the balance between customer goals and technical business capabilities.
Skills used:
Test planning
Moderation
Note taking
Synthesis
Reporting
Prioritisation
Finished Designs
Once the app was nearly ready to launch, our team drove a comprehensive beta programme with thousands of real customers to ensure the app's integrity and maintain customer trust. Following successful launches on iOS and Android, the squad continues to collaborate closely with Athena, building upon this solid platform.
Below are some of the finished designs for features that give customers the self-service tools they need to achieve their financial goals.
Skills used:
User interface
Visual design
Interaction design
Native patterns
Design systems
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Guided Onboarding
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Instant Payments
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Manage Repayments
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Bonus Rewards
Results
70%
Adoption rate achieved after only four months in the market.
1000s
Of returning daily active users showed improved engagement against web.
5★
App store reviews from highly engaged customers who are hungry for more.
“Great app to keep track of how my loan is going. Easy to use. Thanks!”
— ★★★★★ App Store customer review, September 2022