Service Design, UX Design
  • Sketch
  • User Testing / Interviews
Volksbank (VR Smart Finanz)

Many small business owners feel overwhelmed when it comes to their own creditworthiness and are not very familiar with the subject. They do not know what their own creditworthiness is or how it is calculated. Creditworthiness is of great importance for business: it determines whether a company will get financing at all and how expensive it will be. To solve this we explored ways in which customers can view processes and actively participate in shaping their creditworthiness.

With the service, entrepreneurs can check their creditworthiness online. They receive a current score and tips on how they can improve it quickly and easily. We developed a prototype and tested it in Berlin with potential customers. In the beta phase with early adopters, we refined the flows according to user feedback. Then we prepared the Germany-wide launch.

Read more in the case study at Service Innovation Labs (german).