PilihanQ Mobile Apps
pilihanQ is a platform designed to simplify the process of finding and applying financial/non-financial solutions to support achievement of life goals
Role
Product Designer
Project Type
MVP Product, Credit Scoring sinarmas ecosystem
Tools
Miro, Figma
Team Member
Ita Susanto (Head of Business Development)
Hendra Putra (Risk Analys)
Varian Arditya (Head of Product Manager)
Oscar Anindita (Product Designer)
Problem Discovery
While nilaiQ aims to establish social trustworthiness benchmark and empower user to get access to curated offerings based on their scores via pilihanQ
NilaiQ + pilihanQ Playbook
Bringing this novel concept also means that we need to ensure its validity. Thus, we can gauge customer acceptance and their willingness to use NilaiQ & pilihanQ to address their needs & wants
Key questions yet to be addressed
#1 What are the Jobs to be done for our customers?
Customer don’t just randomly use a product/solution, they use it because it helps them accomplish something.
#2 Who is our main target audience(s)?
In getting the ’job’ done, a product/solution might resonate with a certain group of customers more than the others.
#3 What are the key value propositions for our customers?
Unique value that product/solution offers to customers compared to other competitors
Glimpse of the study
To validate pilihanQ & nilaiQ concepts to the prospective customers so that It gives insights on the viability of the product idea before moving on to the next stages and committing more resources
Research Objectives
- To explore factors driving user’s purchase decision
- To explore user’s ecommerce behavior
- To understand customer’s acceptance on market & nilaiQ concept
Research Method
- Qualitative – In depth interview.
- 8 respondents
- Live in big cities
Respondent Criteria
People belonging to of combination of the following categories (marked in green)
| Martial | Age | Financial literation | Experience with loan product | Social status |
|---|---|---|---|---|
Thoughts on Financial Goals and drivers behind them
What are your financial goals and factors that drive them?
Mario
TV Host, Influencer
Asset gain
“Pengen jauh lebih mapan dari pada sekarang ex income besar, investasi property, punya dana pension”
Olivia, 30
Event Organizer
Prepared for any risks
“To have strong financial cushion, so that me and my family can have assurance of the future”
Regina, 25
Researcher
Next life stage
“Accumulate more than enough money to pay for my post-graduate study”
Owen, 24
Software Developer
Achieve financial freedom
“Gausa rely on 8-5 job lagi to make ends meet bisa pretty much afford anything I desire”
Endar, 45
Relationship Manager
Passive income
“Gausa rely on 8-5 job lagi to make ends meet bisa pretty much afford anything I desire”
Adhisty, 45
TV Host, Influencer
Financially healthy
“To have a stable lifestyle and live my live peacefully and happily”
Hans, 21
Entrepreneur
Travelling to places
“To have enough money to travel and live anywhere in the world”
Melati, 21
Final year student
I don’t know yet
“Belum tau, belum mikir kesitu”
The Objective
Gaining
Develop and accumulate assets as much as they can and make it financially valuable.
Anticipating
Develop and grow their wealth to create a sense of safety for the unexpected.
The Motivation
Life experience
The desire to experience the most in life without having to sacrifice the necessaries.
Financial independence
The desire to have more than just enough and grow their wealth.
Thus, we identified Four different financial goals, aside from the basic needs
Gaining
Objective
Financial Independence
Motivation
Gaining Assets
They want to experience different type of investments and protect all their assets from decreasing in value.
Gaining Assets
They want to experience different type of investments and protect all their assets from decreasing in value.
Experiencing more in life
They want to have the power to experience the most in life.
Gaining Assets
They want to experience different type of investments and protect all their assets from decreasing in value.
Life experience
Anticipating
Thus, we identified Four different financial goals, aside from the basic needs
Financial
Independence
Financial Independence
Motivation
Gaining Assets
They want to experience different type of investments and protect all their assets from decreasing in value.
Gaining Assets
They want to experience different type of investments and protect all their assets from decreasing in value.
Experiencing more in life
They want to have the power to experience the most in life.
Gaining Assets
They want to experience different type of investments and protect all their assets from decreasing in value.
Life experience
Basic needs
They want to be able to fulfill the daily needs and have healthy cash flow.
Anticipating