Buy Now Pay Later
Overview
I led the design of Paytm's "Buy Now Pay Later" feature, creating a secure and accessible credit solution for the platform's 6M+ active users. This project involved extensive user research, product thinking, and developing an intuitive interface that helped users understand their spending limits and manage payments effectively.
Key Challenges
Credit Bureau Gap
No traditional credit data for 6M+ users → Built alternative scoring model
User Experience
Poor limit distribution → Created intuitive bottle metaphor for credit visualization
Financial Literacy
New credit users → Added contextual help and simplified explanations
Design Evolution
Initial concept sketches exploring limit visualization
Refined wireframes with focus on available credit and spending limit
Information architecture for the BNPL feature integration
Visual metaphor exploration - "Bottle = Total Limit"
The Solution
Spend Limit Visualization
Created an intuitive visual representation of available and total credit limits, making it easy for users to understand their spending capacity at a glance.
User Education
Developed comprehensive FAQ sections and contextual help to educate users about the BNPL concept, payment schedules, and benefits.
Flexible Payment Options
Designed interfaces for early repayment, scheduled payments, and payment history to give users full control over their credit experience.
Final Screens
Let's Connect
I'm currently open to select freelance opportunities and consultations. If you'd like to discuss a project or potential role, please reach out.
Current Availability: Available for new projects starting June 2025.