On the loan application page, except for the collection and repayment account, which needs HE Tuber to be added manually by the user, other options have default filled values, reducing the user’s consideration time and decision-making costs [ Hick’s law is applied here: the more choices a person faces, the more decisions are required The longer it takes]
The red dot prompt for the collection and repayment account item highlights the specialness of this item so that users can see it faster.

Add bank card:
Click Add in the collection and repayment account column to jump to the add bank card page. Let’s talk about 10) here.
Upload ID photo
Click Submit on the loan application page to jump to the upload ID photo page.
The shield icon under "Identity Information" + "Promise to consume immediately and strictly protect your privacy security" tells users not to worry about privacy security.
Below the shooting frame, small gray words such as "No reflection and no flash" inform users of correct operation to improve the pass rate.
The light blue area "I don't have my ID card with me, remind me to upload it later" supports the reminder function for users who do not have their ID cards to remind them to upload their ID cards in time.
The exit page also has a secondary retention pop-up window, which is consistent with the exit logic of adding a bank card and will not be repeated here.
Contact information
After uploading the ID card information, you will automatically jump to the contact information page.
By default, it helps users choose their monthly income, reducing the user’s selection time.
Fill in the contact information and support selection from the address book, which provides convenience for users.
Users can also manually fill in their name and mobile phone number. There is no force that users must choose from the address book.
Click on the upper left corner to return and retain the user for the second time.
The titles "Please don't leave", "As fast as 1 minute" and the current progress bar tell users that it will be completed soon!
The continue button is strengthened at the bottom and the leave button is weakened.

Add bank card
After uploading the contacts, it will automatically jump to adding a bank card.
For user convenience, OCR is supported to extract bank card information.
For the convenience of users, information about supported bank cards is displayed, allowing users to more accurately determine which credit card can be added. The "7+-2" principle is followed here
For the situation where the bank card is not with the user, guidance on checking the card number is given to increase the possibility of the user adding a bank card.
The 'Next' button at the bottom is highlighted in blue to encourage users to take the next step.
On the add bank card page, click the upper left corner to return to retain the user for the second time. I won’t go into details here.

SMS verification:
After the bank card number and mobile phone number are verified and matched, a picture verification code will pop up on the page and the user must enter it manually for confirmation.
The graphic verification code is used to distinguish between human operation and machine operation. This operation function is added to prevent hackers or other malicious people from conducting software attacks. Uncontrolled acquisition of SMS verification codes results in a waste of costs on the SMS platform, generates bad data that is not registered manually, and leads to chaos in the backend management system. The addition of graphic verification codes is to make everything more secure.
After the graphic verification code is passed, you will be redirected to the page for obtaining the SMS verification code.
The SMS verification code is used to confirm that the mobile phone number belongs to the user, to prevent criminals from using other people's information to maliciously register, causing bad data to the website, and also causing losses to the mobile phone users themselves.
The top displays 'Please enter the verification code received with the mobile phone number ending in xxx', informing the user that the text message is received with the number ending in xxx, and there is no need to go back to the previous level to check which mobile phone number it is.
There is no automatic help for users to obtain the verification code, but a method that requires users to manually click to obtain it.
At this time, the user needs to confirm that the mobile phone number is entered correctly. If there is an error, or the text message cannot be accepted, etc., the user can return to the previous level to modify the mobile phone number.
Return to loan application page
In the above process, the credit granting is completed. After the bank card is successfully bound, it will jump directly to the loan application page!
In the membership pop-up window, the red letters "98", "95" and "20" are enlarged and displayed, informing users of the many benefits of membership.
(The same question is here. In the borrowing scenario, the user’s need is to borrow money. Would it be better to replace the taxi red envelope benefits with priority approval?)
The "Join Member" button has been strengthened and the "General Application" button has been weakened.
The user chooses to exit and make a second attempt to retain the loan. The "2nd interest-free period" informs the user that there are discounts for borrowing money at this time, so place an order quickly. The "Continue Borrowing" button is filled with blue and is located on the right side, which is very convenient for users to click and weakens the "Exit Still Button".