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Human-centered design of personal-finance-management app for financial inclusion

How might we empower Namibian citizens to access, understand and make use of their free annual credit report and thus achieve financial literacy?






  • ProBATS, its partner Financial Literacy Initiative (FLI), and the credit reference bureau TransUnion came up with the idea of creating an app that offers to download to one’s phone a free annual credit report (a legal entitlement of any Namibian from the credit reference bureaus) and at the same time to receive personal finance-tips or functionalities (e. g. calculating installments for given credit amounts).
  • To ensure that the app is user-centered, we co-design and implement a human-centered design process based on Design Thinking methodology together with GIZ Namibia and FabLab:
  1. Stakeholder alignment to understand supply perspective
  2. Local qualitative user research to explore user scope
  3. Five-day Design Sprint with stakeholders to develop a product concept



  • 8 Decent Work and Economic Growth
  • 17 Partnerships for the Goals



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