Acteur français du crédit
The simulator that turns revolving credit into a yes
When a sale hinges on figures, the advisor states them and the customer endures them. With Vizalia, they show them. The example of a consumer credit provider that projects its simulator live.
The starting point
An amount, a monthly payment, a rate, a duration. The advisor knows them by heart and states them in the right order. On the other end, the customer hears “twenty-one months”, “twenty point five”, “one hundred and fifty euros”. They try to rebuild a repayment schedule in their head while being talked to. After a few minutes, they say the sentence every floor knows: “I need to think about it, send me an email”. It is not a refusal. It is an admission of confusion. This lender already had an excellent simulator. You move a slider on the amount, choose a repayment pace, and the number of instalments, the credit cost and the total due appear instantly. The simulator was not the problem. The customer simply could not see it. This client chose to remain anonymous and its results are covered by a confidentiality agreement.
What was getting in the way
- A figure stated is not a figure understood: the customer mentally rebuilds a repayment schedule while being talked to
- “I need to think about it” as an admission of confusion, not a refusal
- An excellent simulator that already existed, but that the customer could not see
- A duty to inform that is hard to make tangible over the phone
- Explanation quality that depends on each advisor's talent
What they deployed with Vizalia
- The advisor opens the visual mid-conversation: a link is sent to the customer's mobile
- The customer clicks and sees it thanks to a fast connection, nothing to install, no account to create
- The advisor moves the figures live: they raise the amount, the monthly payment changes before their eyes; they speed up the pace, the duration shortens and the cost drops
- The customer moves from spectator to actor: they ask “what if I pay €180 a month?” and get the answer on screen within a second
- A simulator designed to be handled during the call, on a phone screen: few fields, an immediately readable result, no scrolling
- Hosting in France, ISO 27001 certification, deployment in 48 hours
« The customer no longer endures an explanation, they take part in a simulation. They stop thinking about the product and start thinking about their project. »
Direction télévente, client anonymisé
What they got out of it
- The abstract becomes concrete: the loan becomes a plan the customer can read and approve
- The objection disappears before it is voiced: “I need to think about it” often meant “I did not fully understand”
- The advisor steers instead of reciting: call time shifts towards advice
- The duty to inform is made tangible: total cost, rate and schedule shown on screen during the call
- The floor becomes homogeneous: with the visual, the explanation baseline is the same for every advisor
- The decision is made during the call: the visual makes it possible to go all the way while interest is still there
- Very good results on conversion and in-call completion, shared verbally under a confidentiality agreement
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