How To Borrow Loan From Opay

How To Borrow Loan From Opay

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How To Borrow Loan From Opay – Opay is a multi-functional platform that combines mobile money transfer, boating/transportation, food delivery and logistics. The disruptive technology first appeared on its payment platform (Opay) in the Nigerian market in 2017 and later launched its calling service in 2019. The slave service was a hit right after its launch and it’s no wonder why. Oride is launched with a ₦200 promotion for every ride taken. With the hustle and bustle of traveling around Lagos, it is not uncommon that the best way to get around is to use affordable services. Other car services (Ocar and Otrike) will be launched later in 2019.

As a growing designer, challenges are important to learning and strengthening existing skills. Although I have little time, I try to test myself by reading design books and articles or listening to design podcasts. All to use what I have learned. The need to gain experience in the industry is what leads to this design challenge. The task is to choose an existing product that I interact with, often identify pain points from the user’s perspective and offer design solutions for it. Since Opa is a multi-functional application, I mainly use the driver notification service and can deal with frustration, so I decided to create a design solution that can provide a better user experience. The decision to address challenges stems from the need to balance business needs with user needs to improve / address interfaces while improving the overall user experience.

How To Borrow Loan From Opay

How To Borrow Loan From Opay

I first used Opay to request a ride. I want to feel what that experience is like. Everything from the convenience of choosing a ride to getting a driver. It is important to determine the ease, success and improvement of the application process. Before starting the design, I decided to ask some of my friends who use the software what problems they have encountered to make sure I have something to solve in addition to my personal experience. Here are some of the ones I collected:

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The first thing I decided to tackle was designing an inbound experience for biometric verification. This makes the personal experience more personal while providing added security. Also, a consistent login experience instills trust and convenience because there is no need to remember passwords. This reduces data entry.

The second task is to clean the home screen. The first thing you notice when you launch a program is how the screen breaks. I decided to find a simple way to organize it while keeping in mind the needs of the business as well as the consumers.

The first image shows the current home screen. The second and third images show a redesigned home screen and a new “Action” page.

The next thing I did was access the saved location instead of typing the address. Who doesn’t love shortcuts? This feature allows users to reach their desired destination by saving it in the app. It also reduces “memory leaks”. Having a saved address makes it easier when you need to get somewhere. No need to remember the name or address of the place.

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Another issue that has been addressed is the inability to add stops when requesting a ride. There are times when I have to travel with a friend who has to give up at a destination other than mine. When I informed the driver about this, he was a bit confused and said that the detour was not included in the fare, so it was annoying for him. Riders now have to update their destination in the Opay app every time they need to stop or get off. To facilitate this process, a function can be added that allows users to add multiple destinations at the same time. This eliminates distractions and simplifies the process for both driver and passenger.

First image (current target selection screen without option to add stops). Second and third pictures; Redesign the screen).

The next task is to provide a reasonable payment method before booking a ride. The current design does not offer this option until the trip is complete. If the rider doesn’t pay in cash, paying with the wallet will still be done manually and even more annoying if the wallet isn’t funded. Direct payment options currently available are via wallet and cash. With the redesign, I have offered payment methods such as cash cards and wallets before booking so that users can choose the payment method they want instead of waiting until the trip ends.

How To Borrow Loan From Opay

The first image (the current request request screen without payment options). Second and third images (redesigned screen with payment options).

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In the current interface, it is not possible to confirm or change the receiving location before proceeding with the travel request. It gives users control over their reception experience. One thing that bothered me a bit when requesting a ride was how it looked to the drivers. It looks like the virus was scanned and then detected, which scares me a bit. On the other hand, the status of the system is also not encouraging. However, the countdown lasted for more than 10 minutes, confirming that “leaders are reacting strongly”. When the last admin approved my request, I did not get an ETA status. This inconvenience may force users to leave the application. With the updated solution, this action will lead to the “Confirm Receipt” screen after the user clicks to confirm the trip. Once the pickup location is confirmed and the driver accepts the request, the app will also display the driver’s estimated arrival time. Destination addresses can also be changed / modified during the journey. (If the driver is already on the move). I also added the ability to share travel status with trusted contacts. It provides you reliable communication with driver name, vehicle details, real-time location and driver ETA.

Left (current interface while searching for driver) Right (current interface when driver is moving to pickup location, no ETA provided).

User experience goes beyond visual aesthetics. This means creating products that provide users with a meaningful and relevant experience. The goal of UX is to help users perform well when interacting with products. Appropriate deployment henceforth gives users a sense of control that compels them to take appropriate action to achieve their goals. This increases trust and credibility. The product should give consumers joy and comfort. Creating a product that promotes trust and confidence leaves a positive impression on users. If users feel safe and comfortable using your product, it is likely to be used continuously. The goal of any design should be to be functional and usable. In addition to having to solve problems, the design process also involves reflection. This is the only way to immerse yourself in your shoes. Every company should strive to have an experience that makes users feel like you really care about them and understand every use case when creating a product. By clicking Continue to join or sign in, you agree to the Privacy Policy User Agreement. Rules and cookies.

Or do you always want to withdraw money and drive yourself crazy? LOL I understand and it’s hard to resist temptation.

Updated: Okash Loan Feature Removed From Opay App, Amidst Heavy Backlash On Its Lending Policy

This convenient feature not only allows you to send and pay easily, but also helps you keep money away from those big expenses.  

Opay Money Lock is a feature of the Opay mobile payment platform that allows users to save money by temporarily restricting access to their funds. 

Usually part of a larger digital wallet service, this tool helps users keep track of their spending and save money towards specific goals. 

How To Borrow Loan From Opay

Consumers can be sure that no one can use their money until certain conditions are met, such as within a certain time. 

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This is called “closing the money.” It helps users develop good savings habits and money management skills by protecting their money from unexpected withdrawals and expenses.

Open Opay. Select the “Finance” option. Then select “Repair”. Click the “Create Plan” button.  Enter your savings plan details. Decide if you want to lock in your savings. Follow the instructions to complete your savings plan, which includes choosing a payment date and confirming your payment method (using Opay, Owealth balance, ATM card or bank deposit).

While you may want to consider locking your money from Opay for better profits, consider looking for a loan option offered by Loanspot. 

Loanspot invites borrowers

How To Get Loan From Opay

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