Noriba — Reducing Friction in Syariah Financing Onboarding
Improving KYC completion rates and purchase confidence in a syariah buy-now-pay-later platform.
Role
UI/UX Designer
Industry
Fintech
Team
UI/UX Designer, Product Owner, Marketing
Year
2025
Background
Noriba is a sharia-compliant BNPL platform — installments without interest. The product worked. But two experience failures were quietly killing conversion before users ever made their first purchase.
Understanding the problem
Key Findings
DEFINE
So what are we actually solving?
How might we let users who exit mid-verification resume exactly where they left off — without losing any completed work?
How might we surface the right explanation at the exact moment users need confidence — not three screens before it matters?
Design Decision 1
Progress you can't lose
KYC was restructured from 6 steps to 4 — grouping related inputs to reduce unnecessary context switching. More importantly: every completed step is auto-saved. Users can leave, return tomorrow, and pick up exactly where they stopped.
ID + Selfie —> Personal Data + Address —> Income —> Review
Design decision 2
Context at the moment of commitment
Users get the clarity they need exactly when a decision is required.
Outcome & Impact
Measurable where it matters.
Design System
Alongside the product work, I contributed to building Noriba's design system, establishing component consistency across verification, shopping, and checkout flows to support faster iteration as the product scaled.
reflection
Drop-off isn't disinterest. It's friction.
"Users rarely abandon a product because they don't want it. They abandon it because the experience asks too much at the wrong time. Both problems here had the same fix: stop making users carry the cost of a broken system."
In financial products, UX isn't just about usability — it's the mechanism through which trust is either built or destroyed. Every extra step, every unexplained concept, every forced restart is a reason not to commit.
Noriba — Reducing Friction in Syariah Financing Onboarding
Improving KYC completion rates and purchase confidence in a syariah buy-now-pay-later platform.
Role
UI/UX Designer
Industry
Fintech
Team
UI/UX Designer, Product Owner, Marketing
Year
2025
Background
Noriba is a sharia-compliant BNPL platform — installments without interest. The product worked. But two experience failures were quietly killing conversion before users ever made their first purchase.
Understanding the problem
Key Findings
DEFINE
So what are we actually solving?
How might we let users who exit mid-verification resume exactly where they left off — without losing any completed work?
How might we surface the right explanation at the exact moment users need confidence — not three screens before it matters?
Design Decision 1
Progress you can't lose
KYC was restructured from 6 steps to 4 — grouping related inputs to reduce unnecessary context switching. More importantly: every completed step is auto-saved. Users can leave, return tomorrow, and pick up exactly where they stopped.
ID + Selfie —> Personal Data + Address —> Income —> Review
Design decision 2
Context at the moment of commitment
Users get the clarity they need exactly when a decision is required.
Outcome & Impact
Measurable where it matters.
Design System
Alongside the product work, I contributed to building Noriba's design system, establishing component consistency across verification, shopping, and checkout flows to support faster iteration as the product scaled.
reflection
Drop-off isn't disinterest. It's friction.
"Users rarely abandon a product because they don't want it. They abandon it because the experience asks too much at the wrong time. Both problems here had the same fix: stop making users carry the cost of a broken system."
In financial products, UX isn't just about usability — it's the mechanism through which trust is either built or destroyed. Every extra step, every unexplained concept, every forced restart is a reason not to commit.