Fintech · Supercomm
02 / 04
Credit that stalls on receivables.
Internet providers could not get credit approved, and equipment sales stopped with it. At Rami Capital I led the research, the MVP definition, and the experience of a billing platform that made receivables predictable.
01 — Problem
Without a clear receivable, the equipment does not ship.
The customers — providers — carried high delinquency and failed bank credit checks. That blocked equipment purchases. The business goal was an in-house billing platform: predictable receivables and lower risk, through a guaranteed account.
02 — Decision
A small MVP arrives before a full bank.
Qualitative interviews and a reading of Asaas, PJBank, and Gerencianet showed the same flaw: a confusing flow and opaque financial data. The answer was not to copy the suite. It was to cut it down.
The bet
A first release with payment history, manual resend, and cancellation. Enough to run the guaranteed account and reach the market.
Out of scope
A complete financial suite on day one. Every extra flow would delay go-to-market without unblocking equipment sales.
03 — Execution
The test changed signup, not scope.
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01
Research
Interviews with the people who operated receivables, and benchmarking of billing players. Clarity of the financial data became an acceptance criterion, not a screen detail.
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02
Experience
Onboarding, viewing, and filters in a high-fidelity prototype. In testing, the single form stalled. It became steps, with guided onboarding inside the platform.
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03
Delivery
Direct collaboration with engineering to carry the flow into the platform. The UX fix landed before launch, without reopening the MVP scope.
04 — Impact
Three months in operation.
- −36%overall delinquency in the first 3 months
- +9.2%direct contribution to company revenue
- 20,000+bills issued by the platform