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strategy for digitizing the revolving credit line was defined by close collaboration and rapid, validated learning. Deep Discovery & Problem Validation The process began with a deep discovery phase combining internal data analysis and user research. Our goal was to understand the high-friction, low-utilization problems stemming from the product's offline nature. This initial work validated the key issues: the massive self-service barrier created by the product being offline, the lack of a clear mental model for the complex revolving logic, and the rigid architectural constraints of the old dashboard. Cross-Functional Design & Iteration To ensure seamless integration and business alignment, we immediately initiated rapid design and iteration cycles, working very closely with all stakeholders and developers. This included: Design Sprints: We held cross-functional workshops with Engineering and Business teams to quickly validate solutions and ensure technical feasibility against the \"no backend refactoring\" constraint. Rapid Prototyping: Solutions were designed and tested iteratively, ensuring the new product module was both modern and functional within the outdated app environment. User-Driven Strategy & Brand Integration Crucially, user interviews were conducted throughout the process. These sessions highlighted the need for a friendly, approachable voice to demystify the complex financial product. 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strategy for digitizing the revolving credit line was defined by close collaboration and rapid, validated learning. Deep Discovery & Problem Validation The process began with a deep discovery phase combining internal data analysis and user research. Our goal was to understand the high-friction, low-utilization problems stemming from the product's offline nature. This initial work validated the key issues: the massive self-service barrier created by the product being offline, the lack of a clear mental model for the complex revolving logic, and the rigid architectural constraints of the old dashboard. Cross-Functional Design & Iteration To ensure seamless integration and business alignment, we immediately initiated rapid design and iteration cycles, working very closely with all stakeholders and developers. This included: Design Sprints: We held cross-functional workshops with Engineering and Business teams to quickly validate solutions and ensure technical feasibility against the \"no backend refactoring\" constraint. 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