Partner Portal has always been a simple, utility-focused, straightforward tool: create a credit application, sign it, and move on to the next customer. Convenient, but not functional enough to use daily.
Problems
No reason to pick us over competitors
When shops partner with multiple credit providers, salespeople lack compelling reasons to choose us. Cash incentives aren’t an option, and loyalty alone isn’t reliable.
3.5%
↓ contracts a day
after cash bonuses were cancelled
Small merchants don't stick around
Small businesses, especially online stores, find little value in the platform and rarely return after initial use.
80%
contracts
generated by large partners
Onboarding is manual, slow, and error-prone
Setting up stores or organisations isn’t possible in the system: all data goes through email and manual bank support, causing slow onboarding and account editing, frequent errors, and a heavy support burden.
up to
3
working days
Decision-makers can't self-serve
The platform is built for salespeople, forcing decision-makers to contact the bank separately. They must also be aware of new products to learn about them.
The monthly newsletter doesn't help much.
14.6%
open rate
of partnership updates newsletter
Goals → hypothesis
Motivate salespeople to use the app regularly → Gamification
Hence, cash bonuses are out of budget, and we cannot become a monopolistic loan provider; we need a relatively cheap, doable way to motivate them. According to research, tangible rewards incentive programs have been shown to boost sales performance by as high as 22%.
Make the app useful for decision-makers → Show and educate
We have enough data to analyse and expertise to advise businesses on how to earn more profit via our products.
Reduce the support workload and improve data quality → Automate
Why does the partner have to write an email just to add a new employee in 2026? Why do our partner support specialists have to spend hours asking for forgotten credentials? Few forms can solve it.
Gamification
MVP-1: 1-month lottery
Simple, dirty, yet profitable solution.
Static banner, ~4 hours for design and development, 300€ prize budget.
+10.2%
feature adoption
during experiment
+8.6%
signed contracts
compared with same period year ago
Target: User profile and leaderboard
Achievement list in the user profile and a fully functional leaderboard for managers, with the possibility to request a sales competition.
User dashboard
MVP-1: Welcome page with sales data and simple onboarding
We reused the existing sales dashboard, added quick actions, and implemented simple product tours via a 3rd-party app. Actions and guides vary by user role.
Target: Manager dashboard
Full-featured dashboard with leaderboards, event management, and the ability to request a marketing campaign, order a sales competition, or schedule training.
Organisation management automation
MVP-1: add new users via Zendesk tickets
Simple and dirty again :)
Almost no backend development. The user fills in the form, and the system creates a ticket for partner support. Partners don't have to recall which user information the bank needs, and partner support doesn't need to request missing data via email.
-8
minutes per request
support spends on adding user
Target: Automated user operations
Search for users using Document ID and integrate smoothly with the bank back-office system.
0
mins delay
compared with same period year ago
