Redesigning India’s credit experience for 50M+ users

TransUnion CIBIL
Web Experiences
Mobile Experiences
Fintech
India
TransUnion CIBIL
Web Experiences
Mobile Experiences
Fintech
India

Context

TransUnion CIBIL plays a central role in India’s credit ecosystem, enabling consumers and institutions to access credit information.

The redesign aimed to streamline credit report understanding and dispute journeys, creating a clearer, more cohesive digital experience.

Goal

Our mission was to simplify credit discovery and management through a unified app and web redesign that improves clarity, usability, and adoption.

Outcomes

Expanded Reach

by successfully launching the mobile app and expanding service access to over 50 million users.

Increased Performance

was achieved by 70% improvement in mobile responsiveness and platform performance post-launch.

Reduced Drop-offs

by effectively lowering user abandonment during key conversion stages for a more efficient funnel.

Customer Growth

by expanding the customer base and increasing engagement through successful marketing campaigns.

Research-Driven UX Strategy

Usability audits, behavioural insights and stakeholder inputs revealed pain points in discoverability, comprehension and trust, shaping a simplicity-focused strategy.

Illustration System Design

Custom illustration library designed to enhance engagement, communication, and visual storytelling across the platform.

Clarity Through Segmentation

Personal and business information structured to improve clarity, comprehension, and user decision-making across flows.

Score Cards Simplified

CIBIL score and related information presented through structured cards with custom icons for clarity.

Research-Driven UX Strategy

Usability audits, behavioural insights and stakeholder inputs revealed pain points in discoverability, comprehension and trust, shaping a simplicity-focused strategy.

Usability audits, behavioural insights and stakeholder inputs revealed pain points in discoverability, comprehension and trust, shaping a simplicity-focused strategy.

Illustration System Design

Custom illustration library designed to enhance engagement, communication, and visual storytelling across the platform.

Custom illustration library designed to enhance engagement, communication, and visual storytelling across the platform.

Clarity Through Segmentation

Personal and business information structured to improve clarity, comprehension, and user decision-making across flows.

Personal and business information structured to improve clarity, comprehension, and user decision-making across flows.

Score Cards Simplified

CIBIL score and related information presented through structured cards with custom icons for clarity.

CIBIL score and related information presented through structured cards with custom icons for clarity.

The results

We redesigned TransUnion CIBIL’s digital experience to simplify credit management, reduce cognitive load, and create a scalable foundation for future growth - impacting over 50 million users across India.

Simplified

complex, text-heavy flows into intuitive mobile journeys.

Unified

brand experience with a cohesive mobile component library.

Guided

users using research-led wireframes and clear instructions.

The Mobile App & Web App Experience

01
Educational
institutions
Educational Institutions
Scalable, plug-and-play systems for fast-moving tech environments.
education icon
02
Financial
institutions
Educational Institutions
Scalable, plug-and-play systems for fast-moving tech environments.
education icon
03
Healthcare
facilities
Educational Institutions
Scalable, plug-and-play systems for fast-moving tech environments.
education icon

Core mobile app experiences (onboarding, credit score, login, and dashboard) to simplify how users access and understand their CIBIL data.

Created information architecture and wireframes for key journeys (report, offers, repayment, simulator) to streamline complex financial workflows.

Crafted engaging credit education and insights experiences (score breakdown, history, learning modules) to improve financial literacy and user understanding.

Redesigned end-to-end dispute management flows (status tracking, forms, resolution journey) to make the process intuitive and reduce user friction.

Developed web dashboard experiences for account management and dispute resolution to enhance usability across platforms.

Built a scalable design system (color styles, typography, spacing, components) to ensure consistency across mobile and web products.

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