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Mapping Personalized Credit Journeys with Adaptive AI Design
As Credit Nexus’ product designer, I helped shape an AI that acts like a credit coach—guiding users through a tailored, conversational onboarding based on their business type and goals. The AI adapts in real time to offer personalized credit-building advice. A supporting diagram maps this logic, showing how user inputs inform dynamic recommendations at each step
Redefining Business Credit Building with Ai
This is the space to introduce the Services section. Briefly describe the types of services offered and highlight any special benefits or features. Encourage site visitors to learn more by exploring the full list of services offered.
Problem
Small business owners struggled to understand how to establish business credit without personal guarantees. Existing tools were fragmented, complex, and lacked real-time AI guidance.
Over 52% of micro-businesses (firms with fewer than 10 employees) had to provide a personal guarantee for financing, and 29% had to pledge their primary residence as collateral.
Solution
This is the space to describe the service. Focus the description on how customers or clients can benefit from using this service: explain how it solves a problem, or makes life easier or more enjoyable.
Be sure to include all the relevant details users will want to know, like pricing, duration, and location. If they'll need to prepare or bring anything with them, let them know here. Give users an idea of what to expect from the service and tell them how to book it.
Credit Nexus
I designed Credit Nexus, an AI-powered platform that helps entrepreneurs build business credit using only their EIN. I led the end-to-end UX—from onboarding and dashboards to AI-guided insights—making complex financial processes intuitive, transparent, and empowering for small business owners.
Building Empathy
This is a space to share more about the business: who's behind it, what it does and what this site has to offer. It’s an opportunity to tell the story behind the business or describe a special service or product it offers. You can use this section to share the company's history or highlight a particular feature that sets it apart from competitors.
Let the writing speak for itself. Keep a consistent tone and voice throughout the website to stay true to the brand image and give visitors a taste of the company’s values and personality
Kyle
Startup Founder
Kyle is a startup founder who needs fast, reliable access to capital to scale operations. He values speed, clarity, and tools that simplify financial decisions without requiring deep financial expertise.
Max
Finance Manager
Max is a finance manager at a growing company, constantly switching between platforms to manage credit, cash flow, and reporting. She needs an integrated, efficient solution that reduces friction and supports informed decision-making.
Lisa
Small Business Owner
Lisa is a bakery owner with no formal financial background, relying on intuition and community advice to manage her business. She needs a simple, guided experience that builds her confidence while improving her credit.
Results
A seamless, AI-powered experience that transforms the once complex and confusing process of building business credit into a clear, guided journey—simplifying every step while instilling trust and confidence in entrepreneurs
Learnings
Users valued transparency and education as much as automation; trust was built through clarity, not just AI.
Next Steps
Expand to include banking integrations, AI-driven vendor recommendations, and credit-simulation visualizations that forecast score growth.
Credit Nexus UX Design
For Credit Nexus, I transformed the complex world of business credit into a clear, guided experience. From onboarding to AI-powered insights, each interaction was designed to educate, empower, and help entrepreneurs build credit with confidence—using only their EIN
AI-Driven Onboarding
Users answer a few questions about their business; the AI builds a personalized roadmap to establish business credit from day one.
EIN Verfication Screen
Real-time EIN validation reduces form errors and ensures eligibility before proceeding
Business Profile Dashboard
Central hub showing credit-readiness score, step completion status, and recommended vendor accounts.
Vendor Account Setup
Guided step-by-step wizard to open starter accounts (e.g., office supplies, net-30 vendors) integrated with automated application tracking
AI Advisor Chat
A conversational assistant that explains terms, recommends next actions, and monitors progress like a digital credit coach
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Credit Report Intergration
Guided step-by-step wizard to open starter accounts (e.g., office supplies, net-30 vendors) integrated with automated application tracking
Resource Hub
Guided step-by-step wizard to open starter accounts (e.g., office supplies, net-30 vendors) integrated with automated application tracking
