Dec 8, 2023
CRED UPI, 4th leading UPI app in the country
How we arrived the story which we want to tell, the PMF, and became the 4th leading UPI app in the country.
As we moved to the version 2023 of the CRED app, we wanted to reflect the product offerings this platform was evolving to for our members. CRED is an every evolving business; with this version, we were just entering the mainstream game, UPI payments!
In the spirit of solving for UPI, and the foreseeable 16-18 months forward (which btw is our approach most times while crafting product solutions), we came up with something interesting.
This should actually be like a physical remote on which user know what is where!
We wrote some tenets based on what the CRED app offers to the user;
What is user’s?
Things the user would like to do on CRED
Campaigns (advertising & selling)
New product launches
Things which need user’s attention at a point in time
The new home page is inspired by multi-category products, these categories are generally grouped according to the usage. We drew parallels with products like gojek, paytm for the product offerings, and product like Endel, co-star, for thier
visual design and aesthetic.
While exploring solutions for the user being able to switch between CRED’s "daily use-case" payment products like scan & pay, pay contacts, potentially tap to pay; we came up with the payment bottom navigation which is the core muscle memory navigation in the app. It makes sense for the user to have these product very handy as there are core utility driven transaction which the user is looking for at the point of sale.
Other products which are mostly monthly usage or intent based engagements for the users move to the intent farm of the home page. The intent farm is all about things the user is looking for when they come to CRED. Things like bill payments, user’s money with CRED with mint, cash, flash etc. and things to do with their coins are so handy now.
Both Scan & pay and Pay contacts flows are built keeping the sender in mind, offcourse, you are making someone richer, you should get the credit. Depending on the credit score thresholds, user get different skins for their screens.
We legit made a custom keypad to type amount so that you feel it!!
Ideally Ranjith should write more about how he went about bringing these product flow to life, he likes moving on to do the next big thing.
We launched UPI with a bang. I have totally moved to CRED UPI, did you?
Here are some clips, done by our in-house marketing team: Snp brand video, Snp product video, P2P product video