Loan Amortization
Redesign and digitize the loan amortization process to ensure compliance with SBS regulations, creating a faster, transparent, and secure customer experience.
Objective:
Redesign and digitalize the loan amortization process (personal, mortgage, and refinanced loans), delivering a simple, transparent, and secure experience while ensuring compliance with SBS regulations. Enable customers to complete amortizations quickly, improve satisfaction, and optimize operational efficiency.
Design Features:
End-to-end digital flow for personal, mortgage, and refinanced loans.
Real-time simulations with clear explanations to help customers understand the financial impact.
Guided, transparent steps that eliminate staff-driven decisions.
Simplified experience allowing amortizations to be completed instantly without returning to the branch.
Consistent, secure interface aligned with regulatory and risk requirements.
Process Highlights:
Mapped the previous amortization journey to identify pain points, inefficiencies, and decision dependencies.
Aligned compliance, feasibility, and customer experience with business, risk, and tech teams.
Designed high-fidelity wireframes and iteratively tested with clients and staff for clarity, trust, and security.
Worked with development and risk teams to ensure robust error handling and seamless integration.
Defined detailed flows, case scenarios, and error-handling strategies for predictable and reliable behavior.
