Project Summary
Accelerated Product Life Cycle
Bridgecrest services the loans of over 700,000 active customers nationwide who have financed cars through their sister companies, DriveTime and Carvana.
Within DriveTime in particular, user-testing and data-led insight were resulting in high-impact experience changes. Bridgecrest was motivated to test, learn, and optimize on their online payment portal but the outdated site couldn’t facilitate the quick iteration and data-gathering that would be required.
This project had Bridgecrest’s first, full-time UX team develop a ground-up mobile app that prioritized ease of future-iteration, gathering user insights, and (at least initially) making the experience feel familiar to current users.
Obstacles
Quick Optimization
Various aspects of this project spanned over a year for the UX team, so we were met with a variety of hurdles in that timeframe. Still, the initial obstacles in this project came down to 2 things:
- Bridgecrest did not have a dedicated UX team; So, new processes and team structures were necessary.
- Bridgecrest leadership was eager to start learning and experimenting as quickly as possible.
As a stopgap, Bridgecrest adopted the DriveTime UX team to start learning design-first development and adapt their IT operations to the revised workflows.
This process overhaul also needed to happen while breaking ground on a whole new digital product.
It was evident that DriveTime was learning from even the smallest of changes to their experiences, so Bridgecrest wanted to find a way to start small and get to learning faster.
This meant the initial scope of the project was much smaller as we began research and planning. Rather than creating a new app, we first were going to develop a rework of Bridgecrest’s QuickPay site — a much smaller experience. Eventually, the analytics team decided the audience for QuickPay was too small, and decided that an app was a great first step.
There was no precedent for Bridgecrest’s customers using an app for payments. This meant we could try small changes from the start, then compare them with the base web portal. While this wasn’t a one-to-one comparison, it did allow us to start leveraging OS tools like biometric auth and push notifications.
Solutioning
Atomic App
With a new UX team folded in and the scope settled on, we began to ideate around what the new Bridgecrest experience might look like.
Early in this project, we knew we didn’t want the actual page flow or information hierarchy to change. The current site was a required part of people's lives and we didn’t want the new UX to be too jarring. Additionally, we were eager to update to contemporary web standards to instill a sense of brand-confidence and security with the new presentation.
UX worked with Bridgecrest devs to start from a place of versatility that could also adhere to our accelerated schedule. We decided to leverage the Ionic framework for developing a flexible design system that is easy to iterate on. Ionic makes mobile-first, cross-platform development a priority with a ton of Out-of-the-box tools and UI components.
The Ionic Framework
Ionic was a boon in terms of efficiency but was also somewhat limiting in how we could design our UI. There were still elements on the site that, when translated to an app, required some custom solutions, but we tried to keep those instances to a minimum in favor of out-of-the-box solutions where possible.
We leveraged the existing experience to accelerate wireframing, user-flows, and lo-fi comps. Then we built the UX atomically; the site took shape first with small components like links, buttons, form fields, then moved up to bigger things like cards with complex form interactions. We defaulted to working with Ionic elements that had enough modularity for brand expression with colors and UI design. Occasionally, we still had to make bespoke components for this experience.
The final result had the same page flow and similar visual hierarchy. The presentation was a total overhaul but it still brought with it a ton of familiarity. Best of all,
This new platform could experiment on UI changes, verbiage tweaks, notification timing, info-presentation, as well as bring all the expected conveniences of a modern mobile app.
Results
New Testing Grounds
Our final comps added up to 300+ new views for hand-off to Bridgecrest devs. The app launched without its original UX team around; we had to go back to DriveTime projects. Still in February 2022, Bridgecrest app launched and has continued to be a platform of experimentation and iteration. Since launch it has had 430k+ unique downloads across Android and iOS.
