Insight 1

Users like the 'quick' lending process provided by the app over physical banks

The anytime-anywhere lending feature of the app attracted all users


of the users chose to use the app over physical branches because it seemed hassle-free


of the users felt the app would give money in days as compared to weeks in-person


said they liked the app but would still want face-to-face communication for loans

Insight 2

Data deletion is a strong motivation to choose app over branches

The choice to share or delete personal data immediately builds trust on the app


of the users felt safer to know they could delete data if they're not using the app


chose to delete data after application was rejected


thought banks would keep physical documents whereas soft copies they could delete