Jago Last Wish, A Seamless And Easiest Way To Make A Financial Plan — UX Case Study
This project was given when I was doing my UI/UX internship program at Skilvul. I am not working or affiliated with Bank Jago.
The Challenge
If we take a look to any life insurance product these days, usually the insurance product is made as a form of prevention for bad things in the future. Such as to provide for your family when you die or some other disaster. This makes the impressions of life insurance as a negative things, even though this should be a important thing that must be planned for the future. It makes us think, what if the negative perception is changed into a positive and fun thing so people will not worried about their future life.
The above problem is the background for the creation of Jago Last Wish, a feature in Bank Jago app where user can make a funding plans for their family, and friends or other wishes that can be customized by themselves.
My Role
In this project I work with Surli and Tisnapermana. Each of us worked according to User Flow that had been planned. We also listing pain points, brainstorming idea, making a low and high fidelity, and validate our design with usability testing together.
Design Process
Defining a Problem
In the Define phase, I list user problem into pain points and then translate them into challenge that will be the next action.
Pain Points
First step, we listing some pain points. Each of us given an opinion about what makes people not want to use life insurance. And here’s some pain points —
How Might We
From the problems that have been listed, we use the How Might We method to translate the problem into a challenge that can be next action. The challenge we set is
How Might We: Make the process of making a Will in the easiest and fun way for the user.
Brainstorming Idea in Ideate phase
In this Ideate phase, we brainstorming some ideas that can be in the product we make. After knowing the pain points and actionable statement, we started to make a solution ideas. From the solution ideas, we grouping some ideas into Affinity Diagram. Then we getting into prioritizing which ideas to focus on with the Solution Matrix. We also sketching ideas with Crazy 8’s.
Solution Ideas
First step in Ideate phase, we making a solution ideas from pain points and challenge that we know before. And here’s some —
From several idea solutions that have been mapped, here’s the following outcomes —
- Create two main insurance products in Jago Last Wish, Wasiat dan Gift Box. These two products are differentiated based on the payment target and the type of benefit.
- Simple payment and claim wish.
- To make a wish, user must to personal data and their assets.
Affinity Diagram
To make it easier to distinguish each solution, we group the solutions with an Affinity Diagram.
Prioritization Idea
After mapping the solution, we put the solutions into the solution matrix to focus on which solution should be done first.
Crazy 8's
After getting a picture of the flow that will be used, I started the sketching process using pencil written on a paper folded into 8 parts or commonly known as Crazy 8’s. And here’s the sketch that I made:
User Flow
We created some of user flow that will be in the app, which is flow when user make a Wasiat, Edit a Wish, make a payment, and make a Gift Dream.
The first step when the user enters the home last wish is that the user must fill in his personal data and assets owned. Otherwise the user has not been able to make a wish. After successfully filling out the required documents, the user can immediately make a wish and be given several forms that must be filled in. A Wish that has been made will appear on the home page.
The condition is that the user has made a wish and is required to pay the bill. The first step is for the user to enter the wish that he wants to pay and then select the payment method and make the payment.
User flow gift dream is almost the same as when making a will. The difference is when choosing an insurance product the user chooses a dream gift as the wish he wants to make.
In this flow when the user wants to edit the wish that has been made, the user must go to the wish details then there is an option to edit the wish. Things can be edited is the beneficiary and the message to be conveyed.
Visualize Idea In Prototyping
We already know what solution will be made, now is the time to visualize the solution at the Prototyping phase. In this phase, we designed the wireframe first to find out the right layout and information and then gave the visual aspect in high fidelity design.
Wireframe
Before going into high fidelity, we designed the wireframe first. This is useful for us in finding out the exact layout and information in the products that we made. And here’s the highlight of our wireframe —
Styleguide
Because Jago Last Wish feature is in the Bank Jago application, we try to make the guidelines we use the same as those in the Bank Jago starting from colors, typography, buttons, and other components.
High Fidelity Design
Design Validation
In this phase, we test our designs to respondents. We use In-depth Interview and Usability Testing method to gain some insight about ourdesign. For the UX Metric we use Single Ease Question.
Respondent Criteria
- 25–50 years old
- Employees in any agency
- Have use insurance applications
- Have use E-Wallet
- Medium economy standard
- Have a good level of understanding of technology
Research Objective
- Find out if the user understands each flow of the idea solution created.
- To find out how the level of usability, convenience and satisfaction of the idea solutions offered in the process flow for the creation of Wish Wasiat, Wish Gift Dreams and Payment Transactions.
For an explanation of other research processes, you can access the research documents that we did here
Research Finding
- Users do not understand about insurance products in this app
- User flow that is made is very simple but in terms of explaining the two insurance products, it must be further improved.
Design Revision
Based on the findings obtained after the testing process, it is known that the user does not understand the concept of the existing insurance product. We made a revision of the design made by adding two pages. Here’s —
The two pages we add are the Onboarding pages before the user makes a wish. its contents are all things related to the insurance product.
For the full prototype, it can be accessed at the following Figma link
Conclusion
Future financial planning is important for everyone. Especially if we already have dependents. Talking about wills, many people think negatively because generally wills are made for people at the end of their lives. For that we try to come up with a solution by changing the perception of the will in an easy and simple way and not only dealing with negative things.
Again this is just an idea solution we came up with. We will be very happy if this idea solution is implemented by Bank Jago :D.
