Ogreem is the country’s leading Earned Wages Access provider, being a fully local startup offering financial wellness platform. Ogreem—a platform that ensures salary on-demand for employees across industries against their earned ones, to address any of their immediate financial needs. This, in turn, enables employers to boost the productivity of their employees, by ensuring flexible access to their earned wages.
Team
Lead by:
A.F.M Nazmus Sakib
Product Manager
Shougat Shee Shovo
UI & UX Manager
Developed by:
Android
Khairul Anam,
Backend
Mehedi Hasan, Azizul Hakim, Argha Shipan, Nazish Mahmud
QA
Shokhin Mozumdar
UI/UX Design
Saiful Islam Shihab (Myself)
Problem
In pay cheque to pay cheque living sometimes, people face the problem of getting low in living cost. When high-paid employees can solve that problem with credit cards, low-income (most of them are low-educated or non-educated) employees can’t even get a credit card. So their only option is to get a loan with high interest, which creates more problems for them. So Ogreem wanted to help those employees, and my goal was to create a solution that is easily accessible for employees and beneficial for employers.
Competitive Analysis
Although there aren’t any local competitors, but I analyzed some neighboring countries’ competitors. Some of them are Abhi, Refyne, and Jify.
Opportunity:
- Because it’s the first product in the local market we have so many opportunities. Competitor apps’ target users are all kinds of employees, especially who work in some kind of corporate company. Where Ogreems’ main target users are low-paid employees (garments and other factory workers). If we can make a product appropriate for them we can reach them before our competitors.
- Making onboarding simpler.
- Reducing information load.
Pros:
- Withdraw in minutes.
- 3-4 steps withdrawal.
- Modern UI.
- Dual Language.
Cons:
- English as the default language.
- The UI is little information heavy.
- Long and complicated onboarding process.
Challenges
Making an app for non-educated/ low-educated users.
Overcoming- We made the UI very simple, and we put single big CTA in the homepage that is withdrawing wage.
These low-paid employees sometimes quit their job without any notice. It will create some difficulties for employers if they try to withdraw advance salary after quitting without notice.
Overcoming- We added a friction to the journey. That is when user withdraw wage it have to be approved by his/her HR. Although it will be little painful for the user but it will give the customer (employer) a sense of security. That way employers will feel safe to buy & use the software.
Writing content for the app.
Overcoming- Because I’m not a content writer but in this project it was my responsibility. To overcome this challenge I got help from CEO of Ogreem Mr. Rahel and one of my friend & colleague Faheem Sayeed (an wonderful content writer).
Final Design
We created an MVP with a very simple UI. We had to keep in mind that it will be used by low-educated people so we didn’t want the to overwhelm with to much data. We also provided dual language for better experience.
Impact
For the time being an MVP has been launched. It already has 500+ downloads. We are observing our users to improve it more in the second launch.
Ogreem is the country’s leading Earned Wages Access provider, being a fully local startup offering financial wellness platform. Ogreem—a platform that ensures salary on-demand for employees across industries against their earned ones, to address any of their immediate financial needs. This, in turn, enables employers to boost the productivity of their employees, by ensuring flexible access to their earned wages.
Team
Lead by:
A.F.M Nazmus Sakib
Product Manager
Shougat Shee Shovo
UI & UX Manager
Developed by:
Android
Khairul Anam,
Backend
Mehedi Hasan, Azizul Hakim, Argha Shipan, Nazish Mahmud
QA
Shokhin Mozumdar
UI/UX Design
Saiful Islam Shihab (Myself)
Problem
In pay cheque to pay cheque living sometimes, people face the problem of getting low in living cost. When high-paid employees can solve that problem with credit cards, low-income (most of them are low-educated or non-educated) employees can’t even get a credit card. So their only option is to get a loan with high interest, which creates more problems for them. So Ogreem wanted to help those employees, and my goal was to create a solution that is easily accessible for employees and beneficial for employers.
Competitive Analysis
Although there aren’t any local competitors, but I analyzed some neighboring countries’ competitors. Some of them are Abhi, Refyne, and Jify.
Pros:
- Withdraw in minutes.
- 3-4 steps withdrawal.
- Modern UI.
- Dual Language.
Cons:
- English as the default language.
- The UI is little information heavy.
- Long and complicated onboarding process.
Opportunity:
- Because it’s the first product in the local market we have so many opportunities. Competitor apps’ target users are all kinds of employees, especially who work in some kind of corporate company. Where Ogreems’ main target users are low-paid employees (garments and other factory workers). If we can make a product appropriate for them we can reach them before our competitors.
- Making onboarding simpler.
- Reducing information load.
Challenges
Making an app for non-educated/ low-educated users.
Overcoming- We made the UI very simple, and we put single big CTA in the homepage that is withdrawing wage.
These low-paid employees sometimes quit their job without any notice. It will create some difficulties for employers if they try to withdraw advance salary after quitting without notice.
Overcoming- We added a friction to the journey. That is when user withdraw wage it have to be approved by his/her HR. Although it will be little painful for the user but it will give the customer (employer) a sense of security. That way employers will feel safe to buy & use the software.
Writing content for the app.
Overcoming- Because I’m not a content writer but in this project it was my responsibility. To overcome this challenge I got help from CEO of Ogreem Mr. Rahel and one of my friend & colleague Faheem Sayeed (an wonderful content writer).
Final Design
We created an MVP with a very simple UI. We had to keep in mind that it will be used by low-educated people so we didn’t want the to overwhelm with to much data. We also provided dual language for better experience.
Impact
For the time being an MVP has been launched. It already has 500+ downloads. We are observing our users to improve it more in the second launch.