Lenme Invest Flow
My role
User Research
UX design: Wireframing, Prototyping
UI design+ Iterations
Project context
Build a peer-to-peer lending model, which disrupts traditional lending practices.
company
Lenme Inc.
📖 Background & Problem Statement
1. The Problem in Traditional Lending
Before Lenme, small private investors had very limited access to the lending market:
High Barriers:
Traditional lending required heavy capital, strict regulatory compliance, and complicated underwriting processes.Limited Access:
Retail investors couldn't easily fund personal loans unless they went through large financial institutions.Lack of Transparency:
Even in peer-to-peer (P2P) platforms, investor visibility into borrower financials was often low, making investments feel risky
2. The Opportunity
At the same time:
Borrowers needed fast, small, personal loans — outside of banks.
Investors were looking for alternative investments with higher potential returns compared to savings accounts or stocks.
But there was no seamless, trustworthy bridge between individual lenders and borrowers, especially for small, quick loans.
3. Lenme’s Solution for Investors
Lenme created a mobile-first platform that:
🏦 Allows individual investors to fund loans directly through an app
📊 Provides clear borrower profiles (Lenme Score, DTI, past behavior)
⚡ Enables fast decision-making (discover, assess, offer — all in minutes)
🔄 Simplifies portfolio tracking and repayment management
Research Insights
After user interviews, data analysis, and usability testing, we discovered:
✨ How Lenme Built Trust with Investors
Transparent risk, simple actions, and trackable returns.
1. Lenme Score
Communicate borrower risk levels fast using a color-coded proprietary score based on DTI, Credit Score, and repayment history.
2. Risk Filtering
Smart filters let investors sort borrowers by risk category, loan amount, duration, and purpose for faster, targeted investing.
3. Borrower Profiles
Mini-profiles showed employment status, loan purpose, financial health summary, and clear disclosures for transparency.
4. Seamless Offer Submission
Minimalist forms with smart defaults and instant feedback animations made investing quick and intuitive.
5. Investment Tracking Dashboard
Track active, completed, and pending investments with real-time updates and visual ROI summaries.
✨ In Short
Lenme built an ecosystem of trust by making risk transparent, action simple, and returns trackable.
Investor Persona: 🌟 Beginner Type
Lenme Investor UX Journey 📈
| 🔺 Stage | 👥 User Action (Doing) | 🧐 User Thought (Thinking) | ⚠️ Pain Points (Challenges) | 🛍️ Touchpoints |
|---|---|---|---|---|
| 🔍 Discover Loan Requests | 🔍 Browsing available loan listings | "Which loan is worth investing in?" | Too much data, no prioritization | 🔢 Loan list page, Filters |
| 👀 Evaluate Borrower | 📑 Opening loan details, checking Lenme Score | "Can I trust this borrower?" | Confusing financial data, unclear risk | 📄 Borrower profile page |
| 🖊️ Make Offer | 💪 Setting amount, terms | "Am I offering too much or too little?" | Manual input, decision paralysis | 🖒 Offer creation screen |
| ⏳ Await Acceptance | ⏳ Waiting for borrower to accept offer | "Will they accept? How long will it take?" | No feedback loop, uncertainty | 📢 Notifications, Status dashboard |
| 📝 Manage Investment | 📝 Monitoring repayment | "Is the borrower repaying on time?" | Hard-to-track repayment status | 📊 Portfolio dashboard |
Upon developing the user persona for the Lenme Invest Flow, I can effectively synthesize the user's emotions and experiences by crafting a comprehensive user journey map. Through this map, I can identify any instances where the user may feel discomfort or encounter pain points, allowing for targeted improvements in the user flow.
Information Architecture
Investor Journey Map
Explore the flow of investing through Lenme
Opportunity at a Glance: Curated Loan Marketplace
In investing, speed and clarity are everything.
Our Loan Marketplace was designed to help investors spot opportunities — and risks — in a split second.Each borrower request card surfaces the key decision-making factors upfront:
Requested Amount
Payback Period (Months)
Credit Score Band
Lenme Score (Instant risk visualization)
The layout was meticulously crafted to balance:
Information Density:
Enough financial data to make smart choices...Cognitive Simplicity:
...without overwhelming or fatiguing the user.
✅ With just a scroll, investors can:
Compare multiple borrowers side-by-side
Prioritize low-risk, short-term, or high-score opportunities
Save favorites for later review
Act fast when a good loan appears
What do the colors of the Borrowers' avatars signify?
The colors of the Borrowers' avatars indicate their respective credit scores, with red representing a poor credit score, yellow representing a moderate score, and green indicating a good credit score.
2. Smart Filtering: Finding the Right Investment, Fast
When it comes to investing, every second counts — and so does every decision.
To empower investors to find opportunities that match their goals and risk appetite instantly,
we designed a smart, flexible filtering system.
Instead of endless scrolling, investors could now precision-target their choices based on:
Risk Profile:
Choose from Low, Medium, High Risk — or explore special categories like Crypto-backed loans and Friends & Family loans.Credit Score Bands:
Filter borrowers based on traditional credit strength: from Poor to Excellent.Loan Amount Range:
Fine-tune investment size from micro-loans to larger opportunities.Repayment Period:
Pick your comfort zone: short 2-month loans or longer 12-month repayments.Borrower History:
Prioritize borrowers who have successfully completed past loans — a major trust signal.
✅ With just a few taps, investors could craft their perfect opportunity list — aligned with their strategy, risk tolerance, and goals.
3. Borrower Snapshot: Trust Built at a Glance
When an investor taps into a loan request, speed and clarity are everything.
We designed the Borrower Snapshot to answer a single critical question instantly:
"Can I trust this borrower with my money?"
Instead of overwhelming users with complex reports,
we distilled the most critical financial health indicators into a clean, visual layout:
Credit Score & Lenme Score side-by-side for instant risk assessment
Key Metrics like Payment History, Credit Utilization, Income, and Past Loan History — all surfaced at a glance
Financial Health Trends visualized over time, helping investors understand income vs. expense stability
✅ At a glance, investors know:
Is this borrower financially stable?
Are they actively managing their debt?
Have they succeeded with past Lenme loans?
4. Submit Offer: Making Action Effortless
After browsing, filtering, and analyzing —
everything comes down to this moment.
We knew the investment offer experience had to feel:
✅ Effortless
✅ Confident
✅ Rewarding
That's why we designed the Submit Offer Modal to make final decisions feel as easy as one clear step.
Minimal fields. Smart defaults. Instant feedback.
5. Managing Pending Investments: Full Control at Every Stage
Investing doesn’t end when you click "Submit."
It’s just the beginning of a dynamic negotiation process.
To make this journey smooth and transparent, we built the Pending Offers Management System —
allowing investors to track, manage, and act on their offers with complete clarity.
Loan Monitoring
Pending Loans: Loans that are in the process of being funded by investors after passing verification and assessment.
Current Loans: Loans that have been fully funded by investors and are currently active, with borrowers making repayments and investors earning interest.
Completed Loans: Loans that have been fully repaid by the borrower, indicating the loan's maturity and investors receiving their principal and interest payments.
Corrections: Adjustments or modifications made to loans or associated data to ensure accuracy and transparency in loan information.
Default Loans: Loans where the borrower has failed to make required repayments within the specified period, posing a higher risk of potential losses for investors. Lenme may have specific procedures to handle default loans, such as collection efforts or legal action.
Full Loan Transparency: Every Dollar Accounted For
Our Loan Details View was designed to answer the critical investor question:
"Exactly how is my money working for me?"
Every element was carefully surfaced:
Loan Amount + Interest Breakdown:
Show exactly how much profit will be generated.Fee Transparency:
Investors see exactly what portion goes to platform fees or government fees — no surprises.Clear Total Payback Amount:
Reinforces the expected returns investors will receive.Upcoming Repayment Schedule:
Payment breakdown across months — helping investors plan cash flows with precision.
Investor Final Outcomes
Discover Opportunities
Find borrower loan requests to invest in.
Assess Risk & Details
Review borrower profiles, Lenme Score, and risk indicators.
Submit Investment Offer
Propose loan offers with a few taps.
Track Funded Loans
Monitor repayment progress and borrower activity.
Manage Returns
Receive repayments, monitor ROI, and reinvest earnings.
Investor Incomes
Loan Funding
Securing investment opportunities through borrower funding.
Monthly Repayments
Collecting principal + interest month by month.
ROI Growth
Final return on investment after full loan repayment.