onggunhao commented 5 years ago

Deliverables

[x] Balsamiq wireframes (clickable) to test and prototype ideas
[x] Interaction design is critical: build in Rimble UI components etc

High-level spec

Fundraising period

[x] Crowdfunding page as the home page
[x] What should the repayments table look like during fundraising period (i.e. my projected cash flow streams)

Interim period (crowdsale complete, pending selection of funders)

[ ] (potential) How do we show that a loan is fully funded?

Funding a loan

[ ] What should the "fund loan" process look like?
[ ] What warnings should we show the lender?
[ ] How do we explain the issuing of debt token to the funder?
[ ] How do we prevent someone from overfunding a loan?
[ ] How do we ask potential funders to include their email address, so that we can do a video interview with them? (Ines' request)

Funding goal complete

[ ] How should we show the details of the loan?
[ ] What should we show? i.e. on time, in default, early settled (copy Mifos' UI)
[ ] How should we show the debt token allocations? i.e. who owns the debt tokens
[ ] How should we show the repayment status (i.e. which tranches are settled, etc)

Examples: Warning should be similar to Uniswap

onggunhao commented 5 years ago

Benchmarking

Kiva

View Loan

view-loan-mobile-annotated

Checkout Loan

Kiva uses a "checkout loan" model where you add loans to a basket, and then check all of them out at the same time. Kiva has an optional "donate" button which is a fairly sizable amount, that is used to cover operations.

Registration is only needed prior to checkout. Users submit email and password, but are allowed to donate anonymously.

checkout

Funding Societies

onggunhao commented 5 years ago

Early prototypes

https://bit.ly/enable-draft-2

onggunhao commented 5 years ago

From my Consensys Bootcamp group:

(TS):

Looks good, could use some short summary+call to action on the very top e.g. "Invest 100DAI in Ines to get 130DAI back after X months (best case scenario)".
I am risk averse, and social proof isn't very persuasive to me. Could use more facets of identity than just social media accounts vouching for other social media accounts. This leads to next point:
More thorough verification. Info what happens if Ines (or Nigerian prince Nguyen Omata) does not pay loan back? Statistics from the platform (having loans on blockchain has added bonus that I can verify them independently) - how often were such loans repaid?
Centralized lending platforms can afford to be thorough (Address, bank statement, photo of ID) I am not sure how such "verification" could work in decentralized way but if I trust the platform I could be content with ("Yep, we (the platform) confirmed his/her private documents seem legit - attested to that fact on the blockchain, but you don't get to see the documents, obviously").

onggunhao commented 5 years ago

Hey, First of all:

What's the use case, story for these screens? Without context it's difficult to understand it and give proper feedback, I'm gonna try it though 🤓

Main loan page:

The financial goal is 60K but I feel the main thing is that Ina want to go to Cornell. Make it connected more with her profile.
The primary CTA (lend now) comes before the details, logically tho it would look something like this: who->for what->how much->lend
the lending amount into a select input is not the best: consider displaying predefined amounts to guide the user. You can see best practices on donation sites. The last option can be 'another amount' with a number input...but don't use dropdown.

Funding loan screen: the primary cta (fund) is again a bit to deep in the screen and i feel logically it'd come before the loan details

https://twitter.com/onggunhao/status/1132744367280656385

onggunhao commented 5 years ago

@tspoff @adibas03 I'm going to get Ines' help to do user testing (will teach her the basics) because it's quite tedious. I want to get back to code!

onggunhao commented 5 years ago

Should put in more thought into the disclaimers.