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Meetup LPCx de juin 2019 avec Younited Credit

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Arnaud Collin & Christelle Callico, Product Managers @Younited Credit

Pour certain, une demande de crédit repose sur un long formulaire avec une liasse de documents à fournir. Pour l’équipe Produit de Younited Credit, il s’agit de transformer radicalement l’expérience utilisateur en exploitant au mieux la technologie. Alors comment convaincre l’utilisateur d’adopter un nouvel usage ? Comment développer une idée visionnaire au sein d’une entreprise internationale ? Comment tirer profit du succès d’une nouvelle fonctionnalité ? ? Vous trouverez vos réponses dans les slides qui suivent.

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  • DOWNLOAD THAT BOOKS INTO AVAILABLE FORMAT (2019 Update) ......................................................................................................................... ......................................................................................................................... Download Full PDF EBOOK here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download Full EPUB Ebook here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download Full doc Ebook here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download PDF EBOOK here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download EPUB Ebook here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download doc Ebook here { http://bit.ly/2m6jJ5M } ......................................................................................................................... ......................................................................................................................... ................................................................................................................................... eBook is an electronic version of a traditional print book that can be read by using a personal computer or by using an eBook reader. (An eBook reader can be a software application for use on a computer such as Microsoft's free Reader application, or a book-sized computer that is used solely as a reading device such as Nuvomedia's Rocket eBook.) Users can purchase an eBook on diskette or CD, but the most popular method of getting an eBook is to purchase a downloadable file of the eBook (or other reading material) from a Web site (such as Barnes and Noble) to be read from the user's computer or reading device. Generally, an eBook can be downloaded in five minutes or less ......................................................................................................................... .............. Browse by Genre Available eBooks .............................................................................................................................. Art, Biography, Business, Chick Lit, Children's, Christian, Classics, Comics, Contemporary, Cookbooks, Manga, Memoir, Music, Mystery, Non Fiction, Paranormal, Philosophy, Poetry, Psychology, Religion, Romance, Science, Science Fiction, Self Help, Suspense, Spirituality, Sports, Thriller, Travel, Young Adult, Crime, Ebooks, Fantasy, Fiction, Graphic Novels, Historical Fiction, History, Horror, Humor And Comedy, ......................................................................................................................... ......................................................................................................................... .....BEST SELLER FOR EBOOK RECOMMEND............................................................. ......................................................................................................................... Blowout: Corrupted Democracy, Rogue State Russia, and the Richest, Most Destructive Industry on Earth,-- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company,-- Call Sign Chaos: Learning to Lead,-- StrengthsFinder 2.0,-- Stillness Is the Key,-- She Said: Breaking the Sexual Harassment Story That Helped Ignite a Movement,-- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones,-- Everything Is Figureoutable,-- What It Takes: Lessons in the Pursuit of Excellence,-- Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!,-- The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness,-- Shut Up and Listen!: Hard Business Truths that Will Help You Succeed, ......................................................................................................................... .........................................................................................................................
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  • DOWNLOAD THAT BOOKS INTO AVAILABLE FORMAT (2019 Update) ......................................................................................................................... ......................................................................................................................... Download Full PDF EBOOK here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download Full EPUB Ebook here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download Full doc Ebook here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download PDF EBOOK here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download EPUB Ebook here { http://bit.ly/2m6jJ5M } ......................................................................................................................... Download doc Ebook here { http://bit.ly/2m6jJ5M } ......................................................................................................................... ......................................................................................................................... ................................................................................................................................... eBook is an electronic version of a traditional print book that can be read by using a personal computer or by using an eBook reader. (An eBook reader can be a software application for use on a computer such as Microsoft's free Reader application, or a book-sized computer that is used solely as a reading device such as Nuvomedia's Rocket eBook.) Users can purchase an eBook on diskette or CD, but the most popular method of getting an eBook is to purchase a downloadable file of the eBook (or other reading material) from a Web site (such as Barnes and Noble) to be read from the user's computer or reading device. Generally, an eBook can be downloaded in five minutes or less ......................................................................................................................... .............. Browse by Genre Available eBooks .............................................................................................................................. Art, Biography, Business, Chick Lit, Children's, Christian, Classics, Comics, Contemporary, Cookbooks, Manga, Memoir, Music, Mystery, Non Fiction, Paranormal, Philosophy, Poetry, Psychology, Religion, Romance, Science, Science Fiction, Self Help, Suspense, Spirituality, Sports, Thriller, Travel, Young Adult, Crime, Ebooks, Fantasy, Fiction, Graphic Novels, Historical Fiction, History, Horror, Humor And Comedy, ......................................................................................................................... ......................................................................................................................... .....BEST SELLER FOR EBOOK RECOMMEND............................................................. ......................................................................................................................... Blowout: Corrupted Democracy, Rogue State Russia, and the Richest, Most Destructive Industry on Earth,-- The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company,-- Call Sign Chaos: Learning to Lead,-- StrengthsFinder 2.0,-- Stillness Is the Key,-- She Said: Breaking the Sexual Harassment Story That Helped Ignite a Movement,-- Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones,-- Everything Is Figureoutable,-- What It Takes: Lessons in the Pursuit of Excellence,-- Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!,-- The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness,-- Shut Up and Listen!: Hard Business Truths that Will Help You Succeed, ......................................................................................................................... .........................................................................................................................
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Meetup LPCx de juin 2019 avec Younited Credit

  1. 1. TRANSFORMER L’EXPÉRIENCE DE SOUSCRIPTION AU CRÉDIT GRÂCE AU « CONNECTEUR BANCAIRE »
  2. 2. 2 + €1.4 Mds 4 pays1k€ - 50k€ € de credits finances en Europe depuis 2012 Activité dans 4 pays en Europe, ouverture de 1-2 pays par an Crédits consommation de 1 000€ à 50 000€
  3. 3. BESOIN SITUATION ÉVALUATION DU RISQUE VÉRIFICATION ET FINANCEMENT
  4. 4. BESOIN SITUATION EVALUATION DU RISQUE VERIFICATION ET FINANCEMENT
  5. 5. SITUATION
  6. 6. ÉVALUATION DU RISQUE
  7. 7. ÉVALUATION DU RISQUE Offre
  8. 8. VÉRIFICATION ET FINANCEMENT Envoi des justificatifs
  9. 9. VERIFICATION ET FINANCEMENT OK financé
  10. 10. PENDANT CE TEMPS LÀ, DANS LE CRÉDIT..
  11. 11. SOUSCRIRE À UN CRÉDIT DEVRAIT ÊTRE AUSSI SIMPLE QUE DE DIRE BONJOUR !
  12. 12. User research 1p PM : Christelle Callico TRANSFORM INNOVATION & GROWTH PM : Valentine Ducharme Webdesign 4p COLLECTCONVERT Romain Minaud PM : Arnaud Collin CPO Thomas Beylot Elise Tasset ORGANISATION & MISSION PRODUIT DESIGN UX/UI
  13. 13. PRODUCT MANAGER SENIOR PRODUCT MANAGER JUNIOR APPLICATION MANAGER (PO/SCRUM) QA LEAD DEV + 4 DÉVELOPPEURS INTÉGRATEUR UNE YOUNIT C’EST
  14. 14. TRANSFORMER L’EXPÉRIENCE DE SOUSCRIPTION GRÂCE AU CONNECTEUR BANCAIRE
  15. 15. LE CONNECTEUR BANCAIRE ? C’EST QUOI CE TRUC ?
  16. 16. IDENTIFICATION SCRAPPING RÉSULTAT
  17. 17. HEIN? POURQUOI FAIRE ?
  18. 18. CONSTATS BE KIND, REWIND TO 2016
  19. 19. DUR DUR DE RÉCUPÉRER LES REVENUS
  20. 20. LE RELEVÉ DE COMPTE BANCAIRE, C’EST NON !
  21. 21. CELA NE VA PAS ÊTRE POSSIBLE Au global, on refuse 35% des dossiers étudiés grâce à l’étude des relevés bancaires
  22. 22. Le client n’a pas une réponse rapide alors que c’est une des raisons pour laquelle ils choisissent Younited Scalabilité difficile Optimisation du temps passé sur les dossiers à trouver HOUSTON WE’VE GOT A…
  23. 23. Episode I A NEW HOPE
  24. 24. ESTAN LOCOS ? “Spanish team has already been testing bank connector for 6 months. Whenever we get a prospect on phone, we urge him to use a bank connector. If prospect is ok, we shoot him an email with a link landing to a page hosting a mini form (choice of bank, login and password).” On peut recevoir automatiquement les relevés bancaires Les clients sont OK malgré un parcours carrément compliqué
  25. 25. ESTAN LOCOS ? “Spanish team has already been testing bank connector for 6 months. Whenever we get a prospect on phone, we urge him to use a bank connector. If prospect is ok, we shoot him an email with a link landing to a page hosting a mini form (choice of bank, login and password).” On peut recevoir automatiquement les relevés bancaires Les clients sont OK malgré un parcours carrément compliqué
  26. 26. VOIR GRAND
  27. 27. EFFICACITÉ : LA VISION PRODUIT
  28. 28. EFFICACITÉ : LA VISION PRODUIT
  29. 29. EFFICACITÉ : LA VISION PRODUIT
  30. 30. EFFICACITÉ : LA VISION PRODUIT
  31. 31. EFFICACITÉ : LA VISION PRODUIT
  32. 32. EFFICACITÉ : LA VISION PRODUIT
  33. 33. EFFICACITÉ : LA VISION PRODUIT
  34. 34. EFFICACITÉ : LA VISION PRODUIT
  35. 35. EFFICACITÉ : LA VISION PRODUIT
  36. 36. EFFICACITÉ : LA VISION PRODUIT
  37. 37. EFFICACITÉ : LA VISION PRODUIT
  38. 38. EFFICACITÉ : LA VISION PRODUIT
  39. 39. EFFICACITÉ : LA VISION PRODUIT
  40. 40. EFFICACITÉ : LA VISION PRODUIT
  41. 41. EFFICACITÉ : LA VISION PRODUIT
  42. 42. COMMENCEZ PETIT ET ITÉREZ VITE #MVP#agilité
  43. 43. DES CHALLENGES… Trouver un partenaire Se connecter au partenaire techniquement Trouver où positionner la feature dans le parcours Définir l’UI et l’UX Avoir le bon discours & Apporter de la valeur au client !
  44. 44. REMPLACER L’ENVOI MANUEL DES RELEVÉS DE COMPTE
  45. 45. ENSUITE DONNER UNE RÉPONSE PLUS RAPIDE AU CLIENT
  46. 46. METTRE EN PLACE DES REGLES AUTOMATIQUES D’ANALYSE SIMPLES
  47. 47. 30% DES CLIENTS REÇOIVENT UNE RÉPONSE INSTANTANÉE ! CONTRE 48H EN MOYENNE AUPARAVANT
  48. 48. (UN REFUS INSTANTANÉ)
  49. 49. UNE FOIS LE MVP SORTI FIXEZ-VOUS DES OBJECTIFS AMBITIEUX
  50. 50. # 1 AVOIR UN PLAN C’EST MIEUX
  51. 51. Retour d’expérience AUGMENTER L’ADOPTION À L’ÉTAPE JUSTIFICATIFS TARGET : PASSER DE 6 À 8 UTILISATEURS SUR 10 QUI UTILISENT LA FONCTIONNALITÉ
  52. 52. UTILISATION DE NOUVEAUX LEVIERS DE CROISSANCE UN NOUVEAU DISCOURS COMMERCIAL
  53. 53. TESTS UTILISATEURS SONDAGES TRANSPARENCE SÉCURITÉ RAPIDITÉ CONFIDENTIALITÉ
  54. 54. AB TESTING AB TESTING AB TESTING AB TESTING AVANT MAINTENANT
  55. 55. ENCORE AB TESTING AB TESTING AB TESTING AB TESTING AVANT MAINTENANT
  56. 56. ET ÇA DONNE QUOI ? + 40% DE CONVERSION DANS LE PARCOURS CONNECTEUR BANCAIRE
  57. 57. 82% 70% DES ELIGIBLES 45% DU TOTAL 62% ADOPTION EN JUIN 2019 ESPAGNE FRANCE PORTUGAL ET MOI ET MOI ET MOI ? ITALIE
  58. 58. #2 PLANTEZ-VOUS
  59. 59. C’est super, ça marche ! RAPPROCHONS-NOUS DE LA VISION CIBLE EN LE PROPOSANT PLUS TÔT DANS LE PARCOURS
  60. 60. LANDING PAGE EMAIL FORMULAIREBANK READER JUSTIFICATIFS BANK READER UNE CONVICTION FORTE : allons encore plus vite ! • PEU DE RISQUES : en Espagne on avait un taux d’adoption à 82% • Tests utilisateurs OK • CHIFFRAGE : projet « L », good on décale la roadmap
  61. 61. ON LE PROPOSE UN PEU PARTOUT POUR VOIR
  62. 62. C’EST L’ENFER APRÈS 1,5 MOIS DE DEV.. ~30% des utilisateurs partent quand on propose la connexion bancaire
  63. 63. MODE RECHERCHE
  64. 64. MAIS QUE SE PASSE T-IL ? ANALYSE DES FLUX
  65. 65. MAIS QUE SE PASSE T-IL? INTERVIEWS UTILISATEURS LES UTILISATEURS NE COMPRENNENT PAS DU TOUT L’INTÉRÊT : ABSENCE DE LÉGITIMITÉ
  66. 66. MAIS QUE SE PASSE T-IL ? TAGS DE PAGE Plus on est « loin » dans le tunnel, plus le client tente de faire une agrégation Le choix « se connecter ou non » est incompris, quelle que soit la variante Des variantes bien pires que d’autres, pour autant rien qui explique
  67. 67. MAIS QU’EST CE QU’IL SE PASSE ? USER-CENTRIC
  68. 68. BINGO !!! VISIONNAGE DES SESSIONS UTILISATEURS
  69. 69. RÉTROSPECTIVEMENT
  70. 70. ON AVAIT ETUDIÉ ÇA
  71. 71. MAIS SORTI ÇA
  72. 72. 4 VISITEURS SUR 10 FONT LA CONNEXION AVANT MÊME D’AVOIR UNE OFFRE DE CRÉDIT ET MAINTENANT…
  73. 73. ON EN EST OÙ ? Récupérer les informations bancaires en place du relevé bancaire Refuser une partie des dossiers (KO) selon des règles simples Proposer au client la connexion dès le formulaire pour avoir une réponse plus rapide Proposer un formulaire contenant uniquement le relevé bancaire VOUS ETES ICI Scorer les clients grâce aux données du connecteur
  74. 74. …ET PAF, ÇA FAIT DES CHOCAPICS !
  75. 75. DPS2 : REDONNER LA MAIN AU CLIENT SUR LA DONNÉE BANCAIRE DÉCISION INSTANTANÉE : #fasterisbetter PERSONAL FINANCE MANAGER : APPORTER PLUS DE VALEUR AU CLIENT EXPANSION EUROPÉENNE : +2 PAYS / AN
  76. 76. QUESTIONS ? AUCUN ANIMAL N’A ÉTÉ BLESSÉ PENDANT CE PROJET ET AU FAIT… ON RECRUTE ! J (PM, DESIGN, AM, DEV….)

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