Basically, each user has five or six or more credit cards. While enjoying the convenience brought by credit cards, most users are also distressed that they forget the bill date and repayment date because of too many cards, which leads to overdue penalty interest, late payment fees and personal credit information stains.
Extended data
1. user experience: user experience is a common problem in the Application of smart credit card housekeeper app in the market at present. The same is true, peers copy from each other. The user's operation process is complicated, the UI visual effect design level is low, the system reports an error, and the application flashes back, which fundamentally ignores the user experience and completely loses the market competitiveness.
Second, the solution: At present, the core functions of many online smart credit card housekeeper App applications are roughly: credit card processing, investment and wealth management, microfinance, living payment, intelligent repayment and so on.
Operators intend to solve the diversified needs of users and the sticky problems of users, or they are bundling their own business products, but this is precisely the problem, which can only show that they have not really done a good job in market research and deeply analyzed the needs of such users, but have weakened the function of smart repayment, which is contrary to the original intention of "smart credit card housekeeper".
Juniu Online, as a senior App development service provider, has naturally received development demands from many operators. We declined the request of "imitation development" put forward by operators, but through market research, in-depth excavation of users' needs and analysis of competitive products, we found that the real pain point of credit card users is the problem of "card management+repayment".