HD Saison: getting consumer lending off the counter
Vietnam's oldest consumer finance company originated every loan in-branch. It became a mobile app for applying, signing and servicing a loan without visiting one.
Outcome
Problem
HD Saison originated 100% of loans in-branch — the only lender in its five-company peer set with no digital path at all, while rivals ran 66–86% offline and the market grew 23.7% a year. Borrowing meant a 3–5 hour visit and eight separate signatures.
I reframed a four-goal client brief around one problem — get origination off the counter — and sequenced OTP e-signature first, because nothing downstream works while a branch visit exists to collect eight wet signatures. What I killed was remarketing, ranked equally by the client: you cannot retarget a base you can only reach in a branch. The app shipped in May 2022 and is still live four years on, with e-signature in HD Saison's production flow today.