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Project · Product Design & Strategy

PayspoonMicro-credit App

Designing credit access for India's young dreamers — a category-defining micro-credit product built on trust, not credentials, with dignity and ease front and centre.

Sector
Fintech / Lending
Services
Product Design · Design Strategy · Market Study
The problem

The ₹800 Problem

The founders came to us with a problem: for millions of students across India, accessing even ₹800 for books or ₹600 for a cab was nearly impossible due to a lack of formal credit history.

We uncovered a gap that wasn't just financial — it was social, emotional, and structural. Together, we created a category-defining micro-credit product that put dignity and ease front and center.

The vision

A First Step, Not a Dead End

Payspoon was built on trust, not credentials. From 100+ interviews to campus visits and bus rides with students, we created a system that understood their day-to-day life.

The app grows with them — offering small, fast credits and zero judgment.

By the numbers

The Impact

100+
Student interviews
5+
Bank / vendor partnerships
80%
Have smartphones
The product

Trust, Designed Into Every Pixel

  • Micro-credits under ₹1000
  • Repay & unlock higher limits
  • Vendor integration: cafes, telecom, essentials
  • Frictionless UX with minimal onboarding
The outcome

From Surviving to Striving

Payspoon launched as more than a product — it became a silent nod to every youth who just needed a small “yes.” A belief system in motion.

The design communicated not just usability, but dignity and possibility.

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