To validate the concept, we launched a lightweight web prototype and showcased it at the Tendar Stand, at the Zenith Tech Fair 3.0. The exhibition gave us direct access to real users, and our usability observation revealed a key insight:

“People were curious about their credit scores, but most didn’t understand why a good score mattered or how it impacted their financial opportunities.”

This insight shaped our product direction.
We redesigned the experience into a simple, mobile-first tool that allows users to instantly view their credit score on their phones. The interface highlights the essential components that influence the score, giving users a high-level overview without overwhelming them.

For users who need deeper clarity, we introduced a detailed credit report that breaks down all contributing factors and activities in a clear, human-readable format.

Beyond providing the score itself, we added continuous educational features that sensitise users on:

• The impact of their credit score on everyday financial decisions

• The long-term benefits of maintaining a healthy score

• Platforms and opportunities such as Oja, where a strong score can unlock better financial access

This strategic shift allowed us not only to inform users but to empower them with actionable financial literacy directly within the product experience.