⚠️Disclaimer :
This project is part of the UI/UX training program implemented by Skilvul for Digitalent Schoolarship program held by Ministry of Communication and Informatics Indonesia. Bank Jago is the Challenge Partner I choose for this program.
In this last wish project, Bank Jago will collaborate with Astralife as a partner in launching the latest products and services, namely Jago Last wish and Flexi Life.
• Bank jago
Jago is a financial application that works on life-centric principles. With the Jago Application, managing finances becomes easier, collaborative and innovative, so you can focus more on living life, with family and friends. Jago was developed to become a pioneer of digital finance in Indonesia, by presenting life-centric finance solutions. Our aspiration is to become an integrated technology-based bank in various Indonesian digital ecosystems, to meet the needs of retail market share, Small &Medium Enterprises, and mass-market players.
• Astralife
PT ASURANSI JIWA ASTRA (Astra Life) is a life insurance provider company that was established in 2014 and is owned by PT Astra International Tbk, PT Sedaya Multi Investama, and Koperasi Astra International. With the spirit of #iGotYourBack, Astra Life is committed to bringing protection to every Indonesian family with a complete insurance product line that includes life insurance, health, accidents, life insurance associated with investment (unit link), sharia life insurance, and also customer groups in the form of employee welfare programs (employee benefit group business) and pension fund founders (DPLK)
Jago wants to create and introduce a feature related to life insurance. If looking at the life insurance products currently on the market, these products are usually sold as a form of prevention from disasters or bad things in the future.
In addition, life insurance is traditionally used to protect the livelihoods of families supported through livelihoods before death. This is quite serious considering that not everyone has planned for the future, especially young people. One of the possibilities why people do not do it is because they want to be more optimistic and less dangerous (because the future is scary).
Instead of focusing on the negative aspects that could happen in the future, Jago Wants the public to see it in a positive and fun way where life insurance is used to guarantee a pleasant life rather than worrying about death,
this is the main focus of jago banks as an overview for the public that can be used as an investment in the future
For this reason, Jago needs a solution or service in the form of a design prototype for a mobile application that collaborates with Astralife with its product, namely iloveLife as an insurance service provider to help customers make plans that anticipate unexpected events in the future that can affect their livelihoods and family welfare. Jago users can also use this feature for social purposes, contributing to their environment and community even after death.
•👌Easiness
Easy steps in registration, making a will, considering that users can enter various requests, autopayment, and convenience in insurance claims
•📱Effectiveness
Easy way to calculate the monthly payment required for the desired will and also autopaymet the bill.
•📄Management
Management of commitments made and editing willsand beneficiaries of wills
I Collaborate on this project with my team Naufal and Hamdan. We all share the same responsibility for handling this project through its processes.
In this process, we use Design Thinking as an approach because it can adjust all aspects we will create for our target user utilizing the Design Thinking method. In addition, this method can rearrange the problem from a human point of view so that detailed solutions will be found and have explicit goals based on an out-of-the-box brainstorming process. So it is hoped that the feature application can meet user needs.
In the first phase, we conducted secondary research in this project, and we took several data sources:
• MEA Scientific Journal
Digital acceleration affects the behavior of choosing life insurance, but the influence of others makes consumers have negative thoughts
• Insurance Case (medium)
Users need security, as well as additional assistance and materials regarding insurance and wills
• Web of the Civil Code
Too many kinds of wills and their laws, forms and functions
After we searched for some data and sources, we then conducted an in-depth interview to find several things related to needs and problems that the user would later go through.
this is one of the users we asked several things about the problems and needs in the use of insurance and wills.
in that case we can take some important points related to insurance and wills
after we know the difficulties and wishes of the user about this feature then we will divide it into several points
•Problem Statement
The lack of knowledge and convenience about insurance makes people feel hesitant to make insurance and wills at a young age
• Pain Points
In the Define Phase, we brainstormed with the team about the pain points on the previously researched life insurance application.
Based on the pain points collected from the discussion, we continue to make How-Might-We a solution to the pain points earlier. In this process, we group How-Might-We have similar goals, and then we vote on which one we will take in the following design process.
• How Might We
After voting on the How-Might-We process, we agreed to choose Creating Future-oriented Features as our primary goal in the following design process.
After defining the various problems, we continue to observe and look for ideas that can provide solutions and then we summarize in the affinity diagram
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