Artur Lubin — Senior Product & UX Designer

Credit & Card App

A financial app for a consumer lender, designed from scratch: a credit line, loans and a physical card in one place, each showing its state in plain words.

Art Director · Product & UX Design · 2023 · Fintech, Application Design

The challenge

The lender’s customers found it inconvenient to take out and manage credit. There was no single, clear place to see a credit line, a loan or a card, and to act on them right away.

The solution

Together with a member of the client’s management, I led the art direction and designed the app from scratch, including its visual language.

The main decisions:

• Sign-in with Smart-ID, Mobile-ID or Face ID, so getting in is quick and feels safe.

• The dashboard opens on the available amount, the next payment and two primary actions.

• Every product state is named plainly (in processing, active, overdue) with the next action right below it.

• The physical card journey is a simple timeline: ordered, shipped, expected, activated.

• Card controls are one tap away: contactless and online payments, PIN, transaction history.

• One system in dark and light themes.

The result

The app has not launched yet, so there are no usage results to report. What is finished is the full design: sign-in, dashboard, product states, card journey and card controls, in dark and light themes.

• Authentication & Face ID onboarding: Smart-ID and Mobile-ID sign-in behind a short welcome, followed by an optional Face ID step. It stays secure and takes a couple of taps at most.
• Dashboard: credit line at a glance: Available amount, a repayment progress bar, the next payment date and amount, and two primary actions. The credit line and loans share one pattern, with a readable transaction feed below.
• Financial states: processing, active and overdue: Each product shows its state in plain words (in processing, active, overdue) with the actions that make sense in that state. Overdue debt is flagged at the top of the card, where it can’t be missed.
• Card ordering and delivery timeline: Ordering a card and following it home: an offer, then a three-step timeline (ordered, shipped, expected), ending in an activation button once the card arrives.
• Premium card controls and safety tools: Card controls in one place: contactless and online payment switches, transaction history, temporary suspension, PIN reminder and change. Activation takes a three-digit CVV on a native keypad.
• Visual system: dark and light explorations: One visual language in dark and light themes: orange as the single accent, the brand’s texture, and the same components on every screen.

lubinartur@gmail.com · LinkedIn · CV (PDF)