The aim of this project is to enhance the credit card application process for newcomers, focusing on integrating the Nova Credit step, which helps verify international credit records. The target audience consists primarily of immigrants, many of whom may fall into two groups:

• Those unfamiliar with the Canadian credit system: Many immigrants might not have a strong understanding of how credit works in Canada.
• Those aware of credit but uncertain about building credit in Canada: Some may have experience with credit but are unsure how to establish creditworthiness in a new country.

To create a smoother and more reliable process for these users, the application should:

• Incorporate clear, straightforward questions related to the Nova Credit verification process.
• Provide educational prompts explaining what credit is, why it's important, and how to build it in Canada, specifically aimed at users unfamiliar with the system.
• Mobile-optimized design: Ensure that the entire process is mobile-friendly, as many users might apply using their smartphones.
• Simplified forms: Keep the application process as simple and intuitive as possible. Use progressive disclosure to only show the necessary questions based on the user’s responses. This reduces cognitive load and improves the user experience.