Gojo

Tablet application for quick
and efficient microloans in Asia.

Client Overview

Gojo is a product company that operates as a white label and sells customized
solutions to various agencies. The company is mainly focused on Cambodian
agencies that deal with microloans.

The agencies employ officers who go to Cambodian places and offer microloans
to the public. Gojo application (or Officer application) is a tablet application used
by officers to generate microcredits and manage all related processes

Services

Discovery
UI/UX Design
Front-end development
Back-end development
QA

The challenge

Product optimization and enhancement for fast and secure work

Gojo was an existing platform. Our work was divided into two iterations. The first was the
creation of a repayment flow, i.e., the flow of how an officer will receive money from people
who take a microloan. The second iteration was the development of an agent persona. An
agent has more limited functionality than an officer but can also handle loans and process
management. We developed the functionality and detailed user flows for the agent.

Our main challenge was first to understand the specifics of the platform and the region in
which this platform is used. Secondly, to analyze the main user of the platform and make
sure that the platform is secure and people can not steal data and money from it.

The strategy

Based on the concept of the application, requirements
and business analysis, we prepared a roadmap to start
the development in an agile manner:

Business analysis
  • Business & user goals
  • Stakeholder & user interviews
  • Market research
  • Personas
  • CJM
UX Design
  • Information architecture
  • Wireframes
UI Design
  • Design system
  • UI Design
User Testing
  • Clickable design
  • Testing on users
QA
  • Testing of functionality in all browsers & extensions
  • Testing of compliance with the technical document

The Target audience

The main personas of the Gojo platform are:
Officer
A person who offers microcredit
to the people living in Cambodia
Agent
A person who is less experienced than
an officer. Agent has more limited
functionality and deals with
microloans and process management.

User-flow

Wireframes

Design System

The Gojo design system was ready-made. We developed a new design system and created all the following functionality taking it into account.

UI Design

Since the platform was ready-made and the design system was formed, our team developed a small number of components (loan cards, some icons, labels, etc.).

Security

It was important to make the platform secure. For people to take a microloan, they need to read and sign a contract carefully. When signing the contract, the agent should enter a confirmation code that the borrower receives in the application. Borrowers also need to shoot several videos to confirm their identity. Agents upload this video to the profile of each of the borrowers.

Individual Loan

People who want to use Gojo services for the first time can only start with an individual loan. All data about the client who takes an individual loan is stored in his profile (loan amount, monthly repayment, repayment type, etc.). Depending on how quickly the client repays his loan, his rating grows, displayed in the application.

Rating

Each person who uses the services of Gojo has a rating for lending. If, for example, people have a low rating, they cannot take a group loan. Clients should repay loans on time and comply with all lending rules to improve their rating.

Development part

At this stage, we used a standardized and recognized development model to develop and implement new features gradually. We used Agile methodology, namely the SCRUM approach. We also used Jira for task management.

In fact, the product development process is divided into 5 main stages. Our developers wrote code for all product components using the documentation and architecture. The tasks were divided between the team members according to their area of ​​specialization

Stage 1. Product Technical Documentation

During this stage, we collected all the relevant information from our client to develop a product as per his expectation and requirements. We wrote technical documentation and chose technical stacks: React.js and Node.js.

At this stage, we defined the requirements for functionality and user roles. We also finalized the estimate and scope of work.

Stage 2. Development

Our front-end developers were responsible for the client side of the application. Back-end developers were responsible for API and database development. We tested every new feature released. The DevOps team worked on the CI/CD process.

Our team also developed the REST API. When creating the REST API, we used generally accepted practices such as:

  • Using the secure HTTPS protocol
  • Applying as many HTTP codes as possible
  • Archiving large blocks of data

Stage 3. Testing

QA engineers tested all delivered code and carried out manual testing for developed components.

Stage 4. Product Deployment and Integration

After the development and regression testing from the QA team, we switched to production deployment and integration. The tested version of the product was delivered to the users for beta testing. The team collected user feedback, fixed all the bugs, and implemented some improvements.

Stage 5. Maintenance

After deploying a Gojo product on the production environment, if any issue comes up and needs to be fixed or any improvements are to be done is taken care of by the Northell development team.

Results

As a result, our team developed all the necessary application functionality and optimized the work of the existing one. With the help of the updated application, Gojo clients get microloans more conveniently, and, most importantly, reliably.

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