Digital River teamed up with Divido, a British financial services technology company, to introduce financing as a payment option for purchases made through HTC’s VIVE virtual reality system website. (HTC US has also now implemented the experience I designed for financing a phone purchase, presenting financing options on the site’s home page and product pages.)

I designed and prototyped a responsive web user experience for selecting the financing option, applying for credit, and accepting terms and conditions during checkout.

Financing on the VIVE website is introduced in the shopper’s cart and includes a link to view terms and additional details as required by UK financial services regulations, which are rather conservative regarding type size and treatment. (Please note that I’ve truncated irrelevant portions of some mobile screens to conserve space here and highlight the financing elements.)

The financing option necessitated changes to checkout screens, such as the requirement that billing and shipping addresses be the same. Visibility of financing details is still required at this point in the purchase flow.

The verify order step reflects the financing option by presenting a “Proceed to Credit Application” button (rather than “Place Order”).

Divido’s credit application initially comprised four separate screens. I simplified the layout to accommodate the entire credit application on one screen.

When financing is approved, the user reviews and accepts the financing terms and conditions and is then presented with their order confirmation.