Custom Financial Software

The challenge

Fortiva provides financial solutions to those with less than perfect credit and contacted Digital Scientists to create a state-of-the-art account management tool for their credit consumers – including a new banking portal and mobile apps with modern banking features.

For credit customers at Fortiva, the process of account management for one or multiple accounts online can be cumbersome. By allowing customers to view multiple accounts from a single dashboard, the effort required to view and manage accounts and preferences will be greatly reduced.

Our Custom Software Solution

Our design and engineering teams worked together with Fortiva product leadership to create an entirely new and unified customer interface for a variety of their credit offerings. This included designing new customer workflows for account setup, and new application views for an expanded feature set, including auto-payment and managing payments. The re-envisioned Fortiva interfaces were very well received by customer leadership and with customers in the app stores.

Additionally, we provided assistance for definition and documentation of the backend APIs, validation of customer security and authorization workflows, and coordination with the marketing team around product branding.

engagements

• Gables corporate site and enhanced search
• Tablet & kiosk sales application
• Lead-to-lease customer dashboard and custom APIs

technology stack

• Apple iOS and Android
• Ionic 2
• React.js
• Fingerprint authentication

experiences delivered

• UX design
• iOS & Android app development
• API development

My account

The Fortiva mobile app supports account access for its 3 primary credit brands, including Fortiva Retail Credit, Fortiva Credit Card, and Fortiva Personal Loans.

Provides a list of accounts and balances at a glance for quick reference. Access any number of Fortiva-serviced accounts from within the mobile app.

Account details

Current statement details, and access to make a payment are prominently shown. Additional details, including account principal and payoff information are only a few taps away for each account.

Before making a payment, you may also review account details, including principal, recent charges and credits, payment due date, rewards balance, and more.

You can also manage payment preferences, including multiple accounts for the same company, and select from different payment methods. We made paying your bills and managing your finances easy.  For added security, we offered sophisticated fraud detection tools to keep you safe and secure while using Fortiva’s software applications.

Account summary

Keep your budget on track with an easy to understand dashboard view. See a summary of overall spending, according to popular categories.

Graphs and charts provide an at-a-glance view of the big picture, showing important trends. Our custom software development team helped to create meaningful visualizations of users’ financial data.

Keep track of your credit score

Included with your Fortiva account membership is a free Vantagescore. This allows you to keep better view over how your transactions and credit history affect your credit score.

With an easy-to-read graph, users could easily understand their score and how it is changing over time. We wanted users to get the most out of their accounts. A user-friendly interface allowed customers to easily access their credit information and make more informed decisions about their finances.

Outcome

The single most important part of the product development journey is customer experience strategy. Our team is experienced with all of the aspects of launching a successful digital product – from market and competitive research and customer journey mapping to usability testing and strategic concepting, and all the way through to development. Working with Fortiva, we heard many pain points from current customers:

• I’m required to create an account again after signing up for credit
• It’s too hard to set up autopay across all my accounts
• I need help with smart decisions on when, how much to pay
• I don’t know if I am improving my credit score or not
• It’s too hard to sign up for additional offers

With these concerns in mind, we set out to design and build a financial software solution that would address those issues and more, while also increasing trust in Fortiva and the Atlanticus brands, as well as their retail partners. The consumers needed a streamlined approach to help plan their spending, set goals, improve payment consistency and ultimately, improve their credit score.