BharatNXT
Powering Business
Payments with Credit Card
BharatNXT is a fintech platform that empowers Indian SMEs and professionals to make seamless B2B payments using their credit cards—helping extend cash flow and simplify expense management.
In this project, I redesigned the onboarding flow to improve clarity, reduce user drop-offs, and establish trust early on. The new flow guides users through key app benefits, simplifies financial jargon, and ensures a smooth transition from sign-up to first transaction.
BACKGROUND
What problem I am trying to solve?
Lack of clarity and guidance in the onboarding experience made it difficult for users to understand how to get started.
Insufficient trust signals and complex financial language contributed to early drop-offs and disengagement.
Solution
Onboarding screens
Success metrics
35%
improvement in onboarding completion
15%
reduction in user dropoffs during onboarding screens
80%
Improvement in user clarity around app purpose
TARGET AUDIENCE
Whose problem am I solving?
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Women & Men
Small and medium business owners who regularly make vendor payments, pay rent, or settle bills, often with limited access to formal credit.
INITIAL RESEARCH
Understanding key user needs
Clarity Around How the App Works
Users needed a simple explanation of how BharatNXT enables credit card payments to non-traditional recipients like vendors and landlords—without jargon or ambiguity.
Trust and Credibility
As a financial platform handling large transactions, the app had to instantly establish legitimacy and security through visual cues, tone, and layout.
Guidance Without Overload
Users needed just enough information to feel confident—without being overwhelmed by walls of text or complex steps. The flow had to strike a balance between guidance and simplicity.
Seamless Transition to Action
After onboarding, users should feel naturally led to their first transaction. A disjointed or unclear next step would break momentum and reduce activation rates.
Quick and Effortless Onboarding
Busy users didn’t have time or patience for long, confusing flows. The experience needed to be streamlined and action-oriented—guiding users step-by-step with minimal friction.
Progressive Onboarding with Deferred Commitment
Users didn’t want to be burdened with tasks like KYC, card linking, or document uploads right at the start. By applying progressive disclosure, the onboarding experience allowed users to build familiarity and trust before deeper engagement.
PROBLEM STATEMENT
How might we create a low-friction onboarding experience that builds trust and clarity while encouraging users to explore the app before committing to setup tasks?
User pain points
Hesitation to trust a new fintech product for financial transactions
Lack of clarity on how to get started and what steps are required
Confusion around financial terminology and credit processes
Lack of immediate value perception made it harder for users to understand why they should complete the onboarding process
Design Assumptions:
#1
Users are likely tech-savvy but not necessarily financially literate
#2
First impressions significantly affect perceived trust and legitimacy
#3
Users are more likely to engage with the app if they can explore its core features before committing to setup tasks like KYC or card linking.
View old onboarding flow
What am I aiming to improve?
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Increase user activation
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Reduce drop
offs
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Improve clarity
and trust
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Simplify user decision-making
SOLUTION
Designed a progressive onboarding flow that introduces the app’s core benefits up front, simplifies financial terminology, and allows users to skip non-essential steps—reducing friction, building trust, and guiding users toward confident first-time use.
Live Prototype
I design. You need stuff designed.
Coincidence?
I think not.
I’m currently open to Full-Time Opportunities. Let’s make scroll-stopping magic together. 👩🏻💻🪄