earnup

redesigning the enrollment flow for a fintech startup helping users manage and pay off debt
Role:
UX/UI Designer
Timeline:
June 2023 - August 2023
Tools:
Figma, Miro
Skills:
Prototyping, User Research, Visual Design
Team:
Emily Wasserman (product manager) & Isabela Chinellato
Used with permission. ©ShiftLeft, LLC. 2023
overview

Over the summer of 2023 I was an UX Design intern at EarnUp, a fintech platform helping users manage debt and improve financial wellness. I was tasked to come up with solution to the 75% drop-off at the very first step of the enrollment process. I worked with the UX team to redesign the enrollment experience to make it feel simple, safe, and worthwhile. Through research and testing, I reworked the sign-up flow to give users a reason to stick around.

research

Before designing anything, I needed to understand the humans behind the loans and debt. Through interviews, surveys, and usability tests, I pieced together the emotional and functional pain-points users face when enrolling in EarnUp.


     87% of commuters experience anxiety when receiving delay notifications. One
     participant said, "My heart drops every time I see a transit notification. I know
     it's never good news."


     Users want solutions, not just problem statements

     From 5 interviews over Google Meet: 

     Users felt intimidated by the amount of personal and financial data required
     upfront

     There was a lack of clear value proposition reinforcement during signup

     Behavioral Analysis:

     People make poor decisions when panicked

     During stress, users want immediate action options

     Supportive language reduces frustration faster than a neutral tone


     From usability tests on the existing website:

     There were too many form fields, which created decision paralysis

     Users couldn't see progress or end goal

     From 15 user surveys: 

     Users hesitated to provide sensitive financial information without understanding
     the full benefit

     There was no clear security messaging or credentials displayed
Using the pain points I gathered from my interviews, surveys, and usability tests, I created personas to represent some of our users and their goals, frustrations, and decision-making styles. To put our experience in context, I also conducted a competitive analysis of similar fintech companies, breaking down how they structure their enrollment flows to reduce friction. This gave me a clear picture of what not to do, as well as a few smart ideas worth adapting.

     The Psychology of Transit Stress:

     Empathy First: Address the emotional state before delivering data. A stressed      commuter needs reassurance before they need train times.

     Shift From Problem to Solution: Instead of focusing on what went wrong, immediately
     redirect attention to what can be done about it.

     Cognitive Load Matters: When people are stressed and in a hurry,
     decision-making becomes harder. We need to simplify choices and highlight the best
     options.
solution

Instead of asking for everything upfront, we created a journey that builds trust progressively while demonstrating value at each step.

DESIGN PRINCIPLES


     Reduce Friction: Ask only for what’s necessary, when it matters most.

     Build Trust: Use friendly language, clear value props, and reassuring microcopy.

     Guide with Empathy: Design with the user’s pain-points and motivations in mind.

     Reframe negative moments with actionable options

     Use microcopy to shift emotional tone

     Provide clear choices to reduce cognitive load

the impact
behind the solution
  
     Decreased app abandonment after missed-train events by 40%

     
Increased alternative route acceptance by 25%




     Faster rebooking and route-switching by 30%
the impact
  
     Decreased drop-off rate by 20%
Why These Numbers Make Sense

Reduced Cognitive Load
When people don't have to think about next steps, they act faster.

Emotional Support = Engagement
Users are more likely to stay with an app that makes them feel supported rather than stressed.

Clear CTAs Drive Action
When the best option is obvious, people take it.ide of a div block.

     Increased satisfaction scores by 15%

     Increased completion time by 35%



what i learned





This project taught me that the most impactful design changes aren't always about adding features, they're about simplification and creating flows that feel intuitive.
While EarnUp needed comprehensive user information for their service to work, the key was finding the right moment to ask for it. By focusing on building trust first and collecting information progressively, we created a more human-centered experience that ultimately served both users and business goals.

Working on EarnUp's enrollment flow reminded me why I'm passionate about UX design. This wasn't just about improving conversion rates, it was about removing barriers that prevented people from getting the financial help they needed.
Every percentage point improvement in our drop-off rate represented real people who could now access tools to manage their debt and improve their financial future. That's the kind of impact that makes late nights and endless iterations worth it.
Sometimes the most powerful design intervention is knowing what not to ask for, and when not to ask for it.

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