Design Decisions Through Collaboration During our first iteration with the development team, it became clear that allowing users to refinance multiple types of debt at once introduced considerable complexity. Each type required its own installment plan, and this complicated both the UX and backend logic. After an open discussion across teams, we agreed to separate the selection of debt types at the start of the process. This meant that users would select one type of debt at a time and be shown only one refinancing option accordingly. While this removed the ability to refinance multiple types at once, it wasn’t a mandatory requirement for this use case—and it significantly reduced confusion. To support this change, we introduced tab navigation, allowing users to switch between categories (e.g., Category A, B, and C).