About the Project

CRED is a members-only app that offers you exclusive rewards for paying your credit card bill.

I have been using CRED app for quite some time now and one of the early adopters of the app. It actually helps me to manage all my credit cards under the same roof. I personally like the app and have been using it extensively for all my credit card payments. 

I am astonished to know when many of my peer connections didn't have the same opinion about the application. When the entire world is in a lockdown situation, I thought of utilizing this time by picking one of my favorite apps and analyzing it. 

Objective - To understand the current challenges with the CRED app and ways to improve it. 

Improving the cred app

During my MBA days, I came across a course called Design Thinking that revolves around solving problems with a human-centric approach. I thought of applying the Design Thinking principle for this exercise. It has 5 simple steps to solve any problem.

Before we deep dive into each step. Here is a quick overview:

  • Empathize - Understand what are user sentiments.
  • Define - Come up with the problem statement which you want to solve.
  • Ideate - Generate ideas to solve the problem.
  • Prototype - Come up with a wireframe, MVP.
  • Test - Show the prototype to your users and get their feedback. 

Step 1 - Define the Research Method 

Before conducting the research and user interviews, it is recommended to have a plan in place. A research plan is a document you create to list out your research goals, as well as the methods you intend to use to accomplish those goals. It will also have an estimated timeline of the entire process.

Improving the cred app

Step 2 - Secondary Research

Secondary Research is a good source for using all the existing data. For any mobile application, google play store reviews give an ample amount of reviews. 

Improving the cred app

Step 3 - Primary Research (Surveys & Interviews)

After going through all the data in secondary research, it helped me to make some hypothesis but it was equally important to validate those. I came up with a small questionnaire survey, where questions were subjective and I wanted users to express what they like about the app and what they don't like about the app. I reached out to 168 people across all the demographics. The survey helped with quantitative data. To understand, why part of the behavior, I went ahead with a couple of user interviews. 

Improving the cred app

Step 1 - Choosing the right metric

AARRR Framework - AARRR stands for Acquisition, Activation, Retention, Referral & Revenue. These are the 5 most important metrics for the growth of any company. 

I thought of focussing on the Activation & Retention metric for CRED and not on Acquisition

Acquisition - Although there are more non-users as compared to users, since CRED is a members-only app, I thought of not focusing on the acquisition of the users.

Activation - Once users are onboarded, this will help in understanding the user's first experience. Are users able to fulfill their tasks? Making credit card payment or buying the offers.

Retention - This is about how many users are coming back and using the app. It tells about the Engagement between the users and the application. 

Improving the cred app

Step 2 - Analyze the Data (Affinity Map) 

On synthesizing the user interviews and survey results, I did an affinity mapping where I tried putting all the similar experiences together. It gave a good idea about the number of users facing similar challenges. This also gave a couple of good insights about the users and their challenges.

Improving the cred app

Step 3 - Personas

Based on the interviews, I created a persona. I referred to it throughout the entire process. User personas help you to target the customer segment and understand their key pain points. 

Step 4 - Customer Journey

To understand what are the stages of CRED application and how users interact with the app, I have created a Customer Journey Map. It will help us understand what are the goals user seeks at every stage and what are the pain points of each stage. 

Improving the cred app
Improving the cred app

Step 5 - POV Statement

After analyzing all the data from the survey and user interviews. Here are a few of the insights I gathered. 

  • The majority of the users are not satisfied with the User Experience of the app. It's confusing for them and difficult to find the information they are looking for. 
  • Another issue is with offers and rewards, where users don't find any suitable offers/rewards to be redeemed by the CRED coins.

A POV(Point of View) is a meaningful and actionable problem statement. (User + Need + Insight) 

POV - John is a 30-year-old software engineer who uses the CRED app. He needs a great user experience because managing multiple credit card payments and redeeming offers can be quite confusing.   

Step 1 - How might we(HMW)? 

How Might We (HMW) questions are one of the best ways to open up Ideation sessions. By framing the problem as a How Might We question, we will prepare ourselves for an innovative solution.

  • How might we make the app user friendly? 
  • How might we make the app simple for the new user? 
  • How might we help the user to redeem the offers they want?
  • How might we help the users to utilize their CRED coins?  

Improving the cred app

The Difficulty Importance Matrix.


Crowdstrorm is another way to involve your target users during the Ideation phase. During the survey, we also asked users to share their suggestions to improve the CRED app. Here are a few of the responses I got

"Liked the old interface better." 

"Make the app simpler to use. especially the rewards section."

 "Better navigational steps in the app"

"Search engine needs to be made available"

"The interface is a bit confusing (though clean). "

Based on all the suggestions, I came up with a set of tasks that need to be done to improve the user experience. Plotted those against the Difficulty and Importance Matrix. This helps in prioritizing the task.

Improving the cred app

Step 1 - Sketching - Pencil before Pixel

I usually start the design process with low fidelity wireframes. This is the way I iterate through many design options quickly.

Improving the cred app

Tool Used - Figma

Step 2 - Low fidelity-Wireframes

While designing the wireframes, there were a couple of feedback loop from the users to ensure that I am moving in the right direction. 

Improving the cred app

Step 3- High-Fidelity Wireframe

Once I tested out all usability mistakes, I started designing the final screens in Figma.

Font  - Raleway

Platform - iOS 

Major Changes which I tried solving

  • Users now have clear visibility of CRED coins.
  • The Offers listing page is added which was not displayed to the user.
  • The search option on the Offers page. No need to spend time searching for the offers. 
  • People can navigate through the offers in a better way now.
  • Offers are now categorized based on type and brands. 

Improving the cred app

Step 1 - User Testing

Once all the high-fidelity wireframes were ready. I reached to all the users and asked them to test the prototype and check if it solved their problem. There are 2 types of users I reached

  • Existing users - Users who have already been using the CRED app for quite a time now. 
  • Nonusers - These are the users who haven't actually seen the CRED app at all. This was their first experience. 

Success Metrics/ KPIs

The problem of improving CRED was in the user experience of the application. Here are a few Key Metrics that will help us in tracking the redesign version.

Task Success Rate - This is probably the most commonly used performance metric that reflects how effectively users are able to complete certain tasks.

Time on task - For example, finding the offers was time-consuming, this will help us in understanding how much time is required to find offers with this new re-design.

Navigation vs Search - How many users are using navigation and search to perform a task. 

Improving the cred app

What I have learned from this project?

Customer Centricity - I could have never thought improving the CRED app will involve making the app more user-friendly. Before starting the project, I thought improving will be more about adding new features. Although a few new features were added in the redesign version what customers really wanted to be an app with less confusion. 

Usability Testing - This was a completely new experience for me. Every user has their own journey and ways of using the app. It every important to understand the goal and mindset of the user and what they are seeking at the point.

I really admire the existing visual elements of the CRED app, tried my best to match its level. It's was just an effort from my end to reduce the gap in one of my favorite app.

2 months