03 / Core UX · Credit Reset
Independent concept study
Credit Reset turns an early sign of repayment difficulty into a clear decision path—without treating debt as the only thing happening in someone’s financial life.
Desk research · Scenario mappingA calm intervention before the next payment becomes a crisis.
You have options. Exploring them won’t change your account.
Explore your options ↗Review the plan before anything changes.
Independent concept study
End-to-end product design
Desk research · Scenario mapping · Wireflows
Validation-ready concept
01 / The problem
A warning that only shows what someone owes can create pressure without creating understanding. The person may also have savings, upcoming income, essential costs, and several competing obligations. The design challenge is not to push repayment—it is to support a sustainable decision.
Design question
02 / Research → design decisions
These are research inputs—not product performance claims. The concept still needs customer validation.
Show balances, obligations, and a contextual insight before suggesting a repayment path.
EVIDENCEA CFPB experiment found people balanced reducing debt with preserving a savings cushion; in nine of ten scenarios, fewer than half used the maximum available savings to pay down debt.
CFPB · Balancing savings and debt ↗Compare monthly amount, duration, total cost, and trade-offs before selection.
EVIDENCEFCA Consumer Duty guidance says communications should help people evaluate available options and the costs, risks, and benefits attached to them.
FCA · A new Consumer Duty ↗Use a large, user-controlled amount input followed by plan review and explicit consent.
EVIDENCECFPB guidance advises people to total income and expenses, decide what they can afford, and communicate a requested payment amount and duration.
CFPB · Managing a difficult payment ↗03 / Core journey
Surface a contextual signal without alarm.
Ask what changed and what needs attention.
Expose consequences in one structure.
Let the person define what is sustainable.
Confirm the plan with explicit consent.
04 / Selected wireflows
Black-and-white by design: the focus is hierarchy, choice architecture, and consequences—not visual polish.
Next 30 days · 3 upcoming payments
Explore support without changing your account.
The signal sits inside a real financial overview, so debt never appears larger than the person’s full situation.
Choose the closest answer. You can add detail later.
Plain-language situations lower the burden of explaining financial difficulty.
Select one account to begin. You can review the others later.
The person chooses which obligation to solve first instead of activating multiple plans accidentally.
Open each option to compare its impact. Nothing changes yet.
6 months
Total added cost: ₺2,300
Card use pauses during the plan
Normal payment resumes next month
Total added cost: ₺1,100
14 months
Total added cost: ₺700
Every option uses the same criteria, while progressive disclosure protects readability.
Enter an amount that leaves room for essentials and unexpected costs.
A direct amount entry supports intention better than a playful slider. The consequences remain visible beside the choice.
Card spending pauses. Interest continues at the reduced rate. Missed plan payments may end the arrangement.
The final step restates the agreement in plain language before anything changes.
A proactive check-in gives people a change route before another missed payment.
05 / Next validation step
No usability or outcome claims are presented yet.
Reflection
By treating financial difficulty as a changing context—not a failure state—the experience can make support visible earlier, keep trade-offs comparable, and let people retain control over the commitment they make.