```html Orange PxF: Flexible Installment Payments

Context

Orange had already seen the success of the 4-installment credit-card plan (4 × CB): the average basket value rose by 42 %.
The Finance Department now wanted to extend the PxF instalment offer (12 ×, 24 ×, 48 ×) in partnership with Cetelem.

Project Goal

Drive average basket value from €650 to €750 by launching a clear, conversion-friendly credit offer—without compromising the purchase flow.

Key Challenges

Navigation flow of the Payment feature

catalogue page of Orange.fr

Catalogue Page

Product page of Orange.fr

Detail Product Page

Popin Orange.fr

Popin Product Page

Popin Orange.fr

Payment Page

My Role & Key Actions

My Role & Key Actions (Lead UX Designer)
UX Phase Key Action Result
Research Harris quantitative report, Usabilla feedback, stakeholder interviews Extracted actionable insights and clarified market standards and user understanding of credit offers.
Workshops Design-Thinking (discovery & ideation) Stakeholder alignment
Testing Moderated user testing protocol writing Validation of comprehension and usability
Implementation Dynamic prototyping, final UI Dev-ready deliverables, accessibility testing

Results

Insight/Metric Data Point Details
Share of purchases completed with an instalment plan (FSM) 40% The 24-month plan is the most popular monthly option.
Increase in average basket value when using “Pay-in-4” by credit card +42% Basket size rises from €541 to €766.
Impact on accessory attachment 30 % of carts This payment method encourages customers to add accessories.

Key Challenge

1 – Aligning stakeholders on web standards and e-commerce best practices

Competitive benchmarking grid

User Journey Benchmark Matrix

Key insights surfaced through the analysis framework, coupled with a solid grasp of market benchmarks and a clear, user-friendly approach to credit education.

2 – Navigating a delayed Product Owner onboarding mid-project

A screen of the collaborative workshop on Figma

Challenge The Product Owner was going on extended medical leave. A temporary PO was stepping in, and the project needed to continue without losing design coherence or strategic alignment — especially with multiple stakeholders involved.
I organised a collaborative session with both the returning and interim POs, PM to align perspectives, provide full context, and secure buy-in before the handover.
Impact :The workshops helped maintain a unified design direction throughout the transition. The initial mockups became a central reference point, and the returning PO was able to seamlessly rejoin the project without disrupting progress or undoing prior work.

3 – Rebuilding trust between Design and Marketing, and streamlining multi-stakeholder validation

workshop photo

Alignment and validation workshop

Running four step-by-step workshops with 12 stakeholder representatives fast-tracked sign-off and kept timelines intact by sparking ideas, aligning decision-makers, and enabling live validation.
Intended Outcomes : Our targets were rapid, single-round approvals, early marketing buy-in, and a renewed, open dialogue with the design team.

Decision-Making & Experimentation Framework

tableau expliquant les fait tirer de recherches quantitative et les hypothese UX

A single, centralized document was created to bring together

  • Quantitative facts identified in tandem with data analysts
  • User feedback (GetFeedback surveys, VoC verbatims)
  • Structured UX hypotheses
  • Planned validation methods such as usability tests and A/B experiments
This playbook now acts as a clear, shared roadmap for prioritizing actions and activating the most effective experimentation levers.

Moderated user testing

analysis of moderated User testing

An analysis grid was built from 16 moderated user tests.
Goal: structure the feedback to pinpoint friction points and rank the optimizations to tackle first.
Outcome: a concise, end-to-end view of UX pain points across the entire split-payment journey.

Exploration Workshop with Designers

sketch

Objective Remove the pain points uncovered in the previous round of testing.
Results

  • Introduced “payment families” to make the choices clearer.
  • Switched to radio-button + chip components for an effortless 12- or 24-installment selection.
  • Unblocked dev/UI issues through the collective brainpower of 12 designers.

Redesigned Payment Page for Clarity & Efficiency

User testing exposed two key issues with the existing payment page: users struggled with long, unstructured scrolling and a lack of clear information architecture. From a technical side, developers had to rebuild the page entirely whenever a new payment module was added, creating unnecessary overhead. This combination of usability and development inefficiencies made a complete redesign essential.

final design

The Redesign The checkout flow has been clarified, with payment options grouped into clear families.
Interactive chip selectors make choosing a 12- or 24-installment plan effortless.
Key figures are surfaced up front: monthly payment, APR, and total cost.
The redesign also streamlines implementation by simplifying both the front-end and the underlying business logic.

old design

The old design The page is dense and confusing, overloaded with competing information.
The financing block is buried and hard to spot.
Frequent errors occur on both the development and back-office sides.

Key takeways

Worked well :
Cross-functional workshops aligned teams, broke down silos, and increased ownership within Marketing & Design.
Faster sign-off —by streamlining communication, we kept approvals moving even under tight timelines and past tensions.
Next time:
Anticipate BNP/Cetelem constraints earlier; UX gaps, compliance hurdles, and bugs drove a 42 % rejection rate.
Adopt a full-journey lens with joint workshops to deliver a smoother, end-to-end experience.