The increasing rate of urbanisation in India projects around 416 million urban dwellers by 2050. Given the lack of quality affordable housing in our cities, urban migrants are forced to resort to informal and poorly constructed houses. Informal settlements experience spatial, social, and economic exclusion from broader urban systems and lack basic infrastructure, making them highly vulnerable to disease, conflict, natural disasters, and climate change.

mHS CITY LAB, a social enterprise based in India, created a digital construction estimation tool to equip homeowners with customised construction knowledge and financial planning tools to guide them to safer construction practices. Informed by a decade of research and field work, the application aims to:

• Facilitate resilient & quality housing: Compensate for the limited access to architects and engineers in the informal affordable housing sector;

• Build technical capabilities: Provide micro-finance institutions with accurate technical appraisal abilities to help streamline and simplify an otherwise complicated loan generation process;

• Improve operational efficiency: Assist financiers to digitise their operations

Quicksand was brought in to help convert this digital tool into a market ready product to be adopted by various micro-finance organisations to help reduce the gap that existed between potential borrowers and lenders in the affordable housing finance market.

2. Ideating, Prototyping & User Testing

A revisited information architecture, ideated new features and workflows were tested as quick low-fidelity interactive digital prototypes with field agents and coordinators of micro-finance organisations in Delhi and Ahmedabad. These sessions were especially focussed on gauging end-user digital capabilities — what tasks were difficult to complete, what information was easily understood and what user journeys were seamless.

3. Iterative Design Development & Branding

Design developments were oriented towards broadening the scope of the application to be used as a customer relationship management platform. For field agent-homeowner interactions, it necessitated re-designing the information structure and building a brand identity to incorporate the core values of accessibility, transparency, and trust. These values manifested in the final design, amongst other things, as a more visual and intuitive interface catering to users of varying digital literacy.

Simultaneously, Quicksand undertook a branding exercise to develop a visual identity centered on the needs and aspirations of the end-user; rclCloud became “Neev”, which means ‘foundation’ in the Hindi language. As a digital tool for resilient housing, Neev seeks to be the foundation on which the affordable housing sector can build relationships of trust.

1. Even when designing for an intermediary (micro-financier), focus on needs of the end-user (the homeowner) is crucial for ensuring adoption and success of the tool.

Transparency in loan generation process would foster a relationship of trust between homeowners and financiers, thereby resulting in improved client satisfaction. The application was designed to simplify and extend financial and construction knowledge at various stages of the loan generation. The construction cost estimation form was re-designed from the point-of-view of the homeowner, relying on visuals and an easier navigation with staged disclosure of information.

Cost saving tips and safe construction practices were embedded within estimate results - advising option of low cost finishes while avoiding structural compromises.

2. Vernacular interface design with appropriate UI approaches and input methods can best serve user field agents who are equally new to digital tools.

Neev’s interface is based on Google’s material design guidelines to create a smooth digital experience. Some design choices made during the project included – replacing drop-downs with a open display of options; reflecting a choice of input instantaneously by visual feedback of selection and reaffirmation; and a task based user flow structure to stay clear of the ‘hamburger’ side menu, that is often overwhelming, especially for new digital users.

Neev offers interface customisation for financier institutions and organisations in the form of language translation, customisable colours and inclusion of financier’s logo to create a sense of comfort, familiarity and ownership with the interface.