What’s changed in the app

BeforeNothing showed which fields had to be filled in.

NowA red * marks every required field and document, with a note at the top explaining it. Optional fields say “(optional)”.

BeforePlain numbers, like 12500.5.

NowCommas are added as you type, like 12,500.50, and SZL is shown in front.

BeforeMonthly, Weekly, Every two weeks or Variable.

NowMonthly, Weekly or Every two weeks.

BeforeAn unclear “monthly income after tax” box here, then the same pay asked again on the payslip.

NowGross pay (before deductions) and net pay (take-home) are entered once, on each payslip in the next step.

BeforeOne box for the total of all expenses.

NowPick each expense from a list (Rentals, Groceries, Utilities, Other personal expenditure) and enter the amount. The total adds up by itself.

BeforeOne box for “existing monthly debt repayments”.

NowUp to six stop orders (amounts already taken off the salary each month), each with who it’s paid to and the amount, plus a total. Left empty if there are none.

BeforeOne payslip.

NowSeparate sections for the last three months (most recent first), each with its own gross pay, net pay and file. All three are needed.

BeforeType the day of the month you’re paid.

NowChoose from the 1st to the 31st of the month. Asked once for all three payslips.

BeforePeople had to type +268 themselves.

Now+268 is already shown. People only type their 8 digits, e.g. 76 123 456.

BeforeNot shown anywhere.

NowOnce net pay is entered, the form shows what’s left each month, worked out the way LendMo’s form does it:

• net salary
• less total personal expenditure
• less total stop orders

BeforeType an amount and a number of months. No repayments were shown.

NowSlide (or type) the amount and the months. The page shows straight away what you’ll repay, the interest, and the repayment dates.

BeforeAmount borrowed, interest, total to repay.

NowLoan amount, interest, total cost of credit and total repayable, as on LendMo’s form. For example, E1,200 borrowed over one month shows E300 interest and E1,500 to repay.

Before“Fees and insurance are excluded from this estimate.”

NowA fees line reading “Confirmed in your offer”, and the terms say fees are subject to review. Fee amounts will be added once confirmed.

Before“I have read these application disclosures and confirm my information is accurate.”

NowThe customer ticks LendMo’s declaration, word for word:

I, herewith declare/confirm that I fully understand the breakdown of the total cost of credit, and that the information I have provided for my assessment is true and correct.

BeforeA small line of text: “Application … has been saved.”

NowA pop-up with a tick: “Thank you — your application has been submitted”, the reference number and what happens next. It then takes the customer to their application.

BeforeA customer could apply again straight away, even with an application or loan still open.

NowA new application can only be made once the current one is declined or the loan is paid off. The form explains why. This also covers walk-in applications for the same ID number.

BeforeCustomers could swap any document while their application was being reviewed.

NowDocuments can be viewed and downloaded only. A document can be replaced only if the review team rejects it or asks for more information.

BeforeBoxes for net income, essential expenses and debt repayments.

NowNet salary, total personal expenditure and total stop orders, with real net salary worked out as staff type, next to what the customer declared. Staff also review all three payslips.

BeforeSome main buttons, like “Review and save access” on a staff member’s page, had dark text on a dark blue button and were hard to read.

NowThe text is white on the blue button. When a button can’t be used yet, it shows dark text on a light background instead of fading out.

BeforeOn a staff member’s page, the tick boxes for their duties were stretched across the whole column. Their labels were pushed off the edge, the page scrolled sideways, and the rows were spaced unevenly.

NowThe tick boxes are normal size and the duties line up in two neat columns (one column on a phone). Nothing runs off the page.

BeforeA list of checks marked “Pending · Not recorded”, with no way to tell which were needed, what each meant, or how to complete them.

NowEach check says what staff should do (for example, Contact: call the applicant to confirm their number) and whether it’s required for approval or optional. Each one has its own “Record this check” button.

BeforeThe wallet ownership check couldn’t be passed without a wallet ownership file, even though customers are told that file is optional.

NowStaff can pass the wallet check by recording how they confirmed the registered name (for example, a MoMo name lookup). A file can still be attached if there is one.

BeforeOne long form at the bottom of the page with seven boxes, including two date-and-time pickers and a reference number. The result started on “Pending”, so a check could be saved as not passed without anyone noticing.

Now“Record this check” opens a small window for that check. You pick Passed, Failed or Couldn’t check yet (nothing is picked for you), choose how you checked from a list, and write what you found. The time is filled in and the check lasts as long as the company setting says. A reference number is only needed for a credit bureau check.

BeforeNothing said that documents must be verified before the checks, or that the affordability assessment has to be run last.

NowThree numbered steps sit at the top: verify the documents, record the required checks (for example “1 of 3 passed”), then run the affordability assessment. Each step gets a tick when it’s done. If a check needs a document that hasn’t been verified yet, the window says so and has a button that opens Documents.

BeforeMarking any document as verified or rejected erased every check already recorded on the application.

NowOnly checks that used that document are cleared. For example, rejecting the ID card clears the Identity check, but the Contact check stays.

BeforeOnly the month 1 payslip could back up the employment check and the affordability assessment.

NowAny of the three payslips can be used.

BeforeType an email and password for each role, and sign out to change role.

NowButtons on the login page sign in as Borrower, Loan officer, Branch manager, Director, Owner or Admin in one click, and a switcher at the bottom changes role. Only in the test copy, never the live app.