Lendio Onboarding
Business Financial Mobile App

The Lendio mobile app provides financial insight to small business owners to help them thrive.

The Team
Mobile Platform Team:
Product Manager Director, Software Engineer Director, Software Engineer, Product Designer
My Roles
The lead designer responsible for:
Providing user research, flows, and designs, from conception to final release.
Apple app store buttonGoogle Play store button
Multiple iPhones displaying screens from the CardBay app.


Lendio built a mobile app in the incredibly short time of 3 months. The account creation and onboarding experience was built quickly and needed to be validated and tested with users.


Run monitored user interviews to discover areas of friction as users create accounts and get started with the app.

Original Designs

These were the screens created by the team. I designed the Business Information and Business Goals section of this original flow.
    Phone screens of the onboarding flow


    I ran 5 user interviews and asked these questions as they set up an account. After the interviews, I took the findings and performed an affinity mapping exercise to find patterns.
    Notes from an affinity mapping exercise .


    Account Creation
    • 4/5 participants found the process of entering a business address cumbersome and wanted an autofill. 
    • 1 participant validated my concern about our password creation process not being ADA compliant for color blind users.
    • 5/5 participants were easily able to navigate to the app settings without friction.
    • 5/5 participants did not know that the navigation label “Payments” meant invoicing and quotes.
    • 5/5 participants could easily find and navigate to the app. (except for finding the invoices screen)
    Business Goals:
    • Participants who were not linking a bank account were confused by the goal affirmation screen.
    • 4/5 participants expected to be taken inside the app with some kind of action item list.
      - “I thought it would give me action items inside the apps.”
    • 5/5 Participants did not know that widgets with $0 meant they needed to connect a bank account.


    The Product Manager Director and I took these findings to the rest of the team and discussed these recommendations:
      • Update the password requirements to be ADA compliant.
      • Implement address autofill for the business profile.
      • Change the navigation label “Payments” to something more intuitive.
      • Explore the idea of adding a goal checklist.
      • Redesign or remove the business goal screen.
      • Updating empty states on the dashboard to not have $0.

      Quick Updates

      Below are comparisons of the original designs on the left, to new designs on the right.
      iPhone displaying the card details page.
      Password Creation

      The password creation validation was not accessible to our color blind users. The red color indicates the user has not satisfied that requirement.

      iPhone displaying a Starbucks card details screen.
      Password Creation

      I updated the password creation to be accessible to those that were color blind. The user no longer has to rely on color to indicate if they have met the requirements. Now the requirements go away as the user completes them.

      iPhone displaying a loading animation.
      Navigation Label

      No participants were able to find how to create and send an invoice from the navigation. The navigation label said “Payments”  and all participants thought this was for making loan payments or paying bills.

      iPhone displaying a success message.
      Navigation Label

      When I asked participants what they thought a better label would be, they all said “Invoices”, so this is what we changed it to.

      iPhone displaying a loading animation.
      Empty State

      All participants were not sure why there was a $0 and if that meant they needed to do something.

      iPhone displaying a success message.
      Empty State

      I updated the designs to have fake data, but appear to be disabled. I also made the call to action a bigger button to show the user what to do next.

      New Onboarding

      Research showed that all participants found the business goals area of the onboarding process overwhelming, and they weren’t sure what they were doing. I wanted to simplify this process while also showing users the value in connecting financial accounts to the mobile app. This whole flow needed to be rethought.

      We decided to remove the business goals completely from onboarding. Now when a user links a bank account, we load in the data immediately and ask them if they want to connect other financial account.
      Phone screens of the onboarding flow

      Test Results

      To validate this new flow, I ran a usability test with 7 participants and found the following:
      • 7/7 participants said the experience was easy to understand.
      • 7/7 participants understood that linking accounts will provide financial insights.
      • 7/7 participants gave positive feedback about their experience.

      ”...I think this could be a very useful tool for a business to use when starting out to track expenses vs income to make sure you aren't spending too much.”

      “It was very easy and user friendly. The directions were easy to follow. The interface is also very easy to read.”

      Next Steps

      Our goal is to increase our active users by 10% by June, 2023, so we will be monitoring to see if this new experience starts to reach that goal. We'll also be doing more research into our data visualization charts to see if small business owners find them helpful enough to keep using the Lendio mobile app.
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