WeYay
National Bank of Kuwait
Product Design
Content
© 2025
Weyay is National Bank of Kuwait’s digital banking platform for young Kuwaitis. This case study focuses on its lending experience: discovering loan options, reviewing financial commitments, customising repayments, and following an application through to ongoing loan management.
The role
As a freelance Lead Product Designer at AKQA, I worked within the wider team on Weyay for National Bank of Kuwait.
My focus was the Ui and UX experience, connecting each section of the app and making it a cohesive experience.
The challenge
Make a complex lending journey understandable within a mobile banking app. Customers needed to understand their options, review existing financial commitments, and assess repayments before applying.
The approach
Structure the experience around clear stages: discover, apply, track, and manage. Bring loan amounts, repayment periods, and monthly instalments together, with guidance and progress indicators throughout the application.
The outcome
A connected lending experience within Weyay, from exploring loan options to managing repayments. Customers can customise their loan, submit documents, track their application, and access repayment information through one consistent journey.
Design principles
Make the commitment clear
Show the loan amount, repayment period, monthly instalment, and total repayment together. Help customers understand how their choices affect what they’ll pay before proceeding.
Guide each step
Break the application into manageable stages, with clear requirements and progress indicators. Make it easy to understand what’s needed now and what comes next.
Keep customers informed
Make application status, outstanding actions, and repayment information easy to find. Keep customers informed from submission through to managing their loan.
HELP ME DISCOVER
Discover loan options
Sitting beneath the total holdings amount, featured cards encourage users to apply for loans. These cards provide information on the different loan options available to users and highlight the benefits of taking out a loan. By making loan options easily accessible and visible on the home page, the app helps to encourage users to apply for loans, which is beneficial for both users and the bank.
HELP ME APPLY
Preparing to apply
The application begins with a clear overview of the steps and requirements. Customers can check what they need before starting, understand the process ahead, and move through each stage with clear guidance.
With the customer’s consent, Weyay checks existing financial commitments, including loans, credit card balances, and other obligations. This information supports the bank’s assessment of their financial position and loan eligibility.
Presenting these commitments early gives customers an opportunity to review their current obligations before exploring loan options and continuing with the application.
HELP ME APPLY
Weyay uses the customer’s financial information to present personalised loan options. Each offer brings together key details, including the available amount, interest rate, and repayment period, helping customers understand their options before moving forward.
The experience connects these offers with the goals customers are considering, from personal purchases to housing needs. Customers can explore an offer and customise the loan amount and duration in the next step, reviewing the repayment commitment before continuing with their application.
HELP ME APPLY
The loan calculator lets customers adjust the amount they want to borrow and the repayment period, showing how those choices affect their monthly instalment and total repayment. Presenting these figures together helps customers compare options and understand the financial commitment before continuing.
Customers can also explore optional loan insurance and, where available, delaying their first instalment. Supporting explanations clarify how these choices affect the repayment schedule, keeping the consequences visible as customers configure their loan.
A summary brings together the monthly instalment, number of payments, proportion of salary, and total repayment amount, giving customers a clear view of their selected loan before moving to the next stage.
HELP ME APPLY
Customers upload the supporting documents needed for their application, such as identification and proof of income, directly within Weyay. A clear checklist shows which documents are required, while upload progress and attachment controls help customers keep track of what they have provided.
Before submitting, customers review a summary of their chosen loan and application details.
The screen brings together the loan amount, monthly instalment, repayment period, and selected options, including insurance or a grace period where applicable.
This final review gives customers an opportunity to check the information and understand their repayment commitment before submitting. A confirmation screen then acknowledges receipt of the application and directs them to the tracker for updates.
HELP ME TRACK
The approval process
Here users can track the progress of their loan application in real-time, also during the loan approval process, the app may request additional documents or signatures from the user.
By providing users with real-time updates on the status of their loan application and clear instructions on what is required at each stage, the app helps to simplify the loan approval process and provide peace of mind to users.
HELP ME MANAGE
Once their loan is approved, customers can use Weyay to view the remaining balance, repayment period, and upcoming instalments. They can also make partial payments or repay the balance in full.
Where available, customers can reschedule repayments to accommodate changes in their circumstances. Clear repayment information helps them understand their commitments and stay on top of payments.
Loan agreements, repayment schedules, and supporting documents remain accessible in one place, making it easy to review the details whenever needed.
