The beauty of the choice architecture

And the scary power that comes with that.

A few years ago I was in Austria being one of the UX designers responsible for building a brand new user flow for a checkout process in the largest online store for electronic goods in collaboration with one of the biggest Austrian banks. In the end, the user should have been able to have instant approval for a personal loan and complete the checkout process most seamlessly despite the bureaucracy around this topic and the heavy regulation of the banking sector. Quite challenging, right?