How we rebuilt Tratta from a fragmented debt collection platform into a cohesive fintech product

Payment abandonment in debt settlement occurs at predictable friction points: too many fields upfront, confusing navigation between options, and no visible summary before confirmation. 

Lazarev.agency redesigned Tratta Collect’s customer portal to match debtor needs: full payment, partial payment, and payment plan setup are all accessible from one interface, with fewer fields and clear transaction summaries at every stage. 

For fintech operators, reducing abandonment directly increases recovered revenue from the same debtor volume, without altering debt terms or additional outreach costs.

Collectors managing large debtor portfolios need adaptable tools. Lazarev.agency’s Console for Tratta provides configurable dashboards, flexible reports, per-debtor payment options, and control over customer-facing features. Such configurability ensures adoption as core operational infrastructure rather than a secondary tool.

Existing fintech SaaS products lose revenue in two predictable ways: debtor drop-off during payments and collectors not having flexible options. Lazarev.agency solved this in Tratta by making the portal navigation more intuitive: fewer fields, clearer flows, optional registration, and by making Console fully configurable for debtor segments. Improved UX directly translates into higher conversion and recovered revenue.

A platform redesign improves the product. A brand identity makes the improvement visible to the market. It gives sales teams a credible story to tell in demos, gives buyers a basis for remembering the product after evaluating five competitors, and signals the company's investment in quality before a single feature has been demonstrated.

Redesigning a payment portal with an existing user base introduces a risk most teams underweight: users who have adapted their behavior to the current interface, however poorly designed, will experience any structural change as disorientation before they experience it as improvement. 

The design answer is to make the new navigation sufficiently intuitive, so new users adopt it immediately, and existing users reorient quickly. The portal redesign we provided as part of the debt settlement platform design reduced required fields, simplified navigation, and introduced a transaction summary present at every stage.