Athena Home Loans mobile app (UX/UI)

I helped design the first-ever app for Athena Home Loans, an Australian fintech lender experiencing rapid growth.

📱 React native app for iOS + Android

View the app

Who

Jason Wall (Lead Mobile Designer), Will Tapp (Mid UX/UI), Tim Walter (Head of CX), Morgan Coyle (Design Director).

What

Give Aussie homeowners the tools and insights they need to manage their mortgage on the go.

When

Completed over 9 months in 2022.

Where

Sydney, Australia.


Foundations

Athena is a fintech startup on a mission to shake up the mortgage market in Australia. With low fees and clever branding, their vision is to arm homeowners with the tech they need to save time, money and stress. I was part of a team that was chosen to design and develop Athena's first mobile app. The existing web portal was rudimentary and its functionality didn't live up to its challenger brand proposition. In order to fully realise Athena’s vision, we set out to create a mobile platform that would combine financial wellness with effortless self-service.

“Arm mortgage holders with the tech they need to save time, money and stress.”

 

Explorations

Our first task was to unearth some 'aha' moments to help define the Athena experience on mobile. We did this through rapid ideation that allowed us to test and learn. Our team conducted research, such as task flows analysis, opportunity mapping and a landscape review. We then ran workshops with Athena such as 'crazy eights' sketching to quickly generate a range of concepts. Within weeks, we created a series of wireframes and prototypes, ready for our first round of testing.

Skills used:

  • Workshops

  • Stakeholders

  • Ideation

  • Sketching

  • User flows

  • Prototypes

 

Considerations

Our first tests focused on the home page, information architecture and customer 'jobs' such as checking loan balances. Here we wanted to understand which concepts the participants found most intuitive and valuable. We did this by conducting moderated sessions with real Athena customers. These tested different concepts, designs and navigation patterns through interviews and task observations. The main challenge was balancing the tension between creating a groundbreaking product and ensuring it was still intuitive and easy to use.

Testing highlights:

  • 80% of customers we spoke to preferred a fixed bottom style navigation

  • 80% of participants favoured seeing their loan details in a modal with options to drill down into finer detail

  • 60% of the people we interviewed said having a visualisation of their loan balance would be ‘nice to have’


“The graph is pretty cool, but it might get annoying after a while. I just want to get in quickly and check my next repayment.”

— Participant, 31 years old

 

Developments

At this point, we made some tough decisions to invest in features with the highest value, to ensure users could complete their primary 'jobs to be done' with ease. We did this through prioritisation workshops that struck the balance between customer goals and business capabilities.

Skills used:

  • Test planning

  • Moderation

  • Note taking

  • Synthesis

  • Reporting

  • Prioritisation

 

Finished Designs

Once the app was nearly ready to launch, our team drove a comprehensive beta programme with thousands of real customers to ensure the app's integrity and maintain customer trust. Following successful launches on iOS and Android, the squad continues to collaborate closely with Athena, building upon this solid platform.

Below are some of the finished designs for features that give customers the self-service tools they need to achieve their financial goals.

Skills used:

  • User interface

  • Visual design

  • Interaction design

  • Native patterns

  • Design systems

  • Guided Onboarding

  • Instant Payments

  • Manage Repayments

  • Bonus Rewards


Results

70%

Adoption rate achieved after only four months in the market.

1000s

Of returning daily active users showed improved engagement against web.

5★

App store reviews from highly engaged customers who are hungry for more.

 

“Great app to keep track of how my loan is going. Easy to use. Thanks!”

— ★★★★★ App Store customer review, September 2022


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