Bond investment
Redefining savings as true investments
BTA Gabon
Provided by the Gabon government
Annual interest rate
5%
Maturity date
Dec 29, 2024
OTA Tchad
Provided by the Tchad government.
Annual interest rate
4.5%
Maturity date
July 18, 2025
OTA Cameroun
Provided by the Cameroun government
Annual interest rate
6.5%
Maturity date
Sep 20, 2026
BTA Gabon
Provided by the Gabon government
Annual interest rate
5%
Maturity date
Dec 29, 2024
OTA Tchad
Provided by the Tchad government.
Annual interest rate
4.5%
Maturity date
July 18, 2025
OTA Cameroun
Provided by the Cameroun government
Annual interest rate
6.5%
Maturity date
Sep 20, 2026
Context
When I studied user behavior on the old app, I noticed something interesting: what users saw of as “savings” were actually government bonds. People deposited money believing they were saving, but in reality, they were investing without even realizing it.
This created two problems:
Users treated it like a regular savings account, expecting easy withdrawals.
Instead of empowering users to understand investment, the product masked it as “savings.”
Role
Product Designer
Company
Ejara (fintech)
Duration
3 month (launched🚀)
Year
2024
Our Approach
I set out to reframe the experience from “saving” to “investing” by:
Making it clear that users were investing in government bonds, not just saving.
Designing flows that reflected how real investments behave, fixed terms, payout at bond anniversary dates, and maturity dates of the bonds.
Communicating benefits in plain, transparent language to build trust and financial literacy.
I wanted users to feel the shift: this isn’t money you dip into casually, this is your investment portfolio growing.
Design and Implementation
Changed product copy from “Save” to “Invest,” reinforcing correct mental models.
Instead of a simple deposit, users now choose specific government bonds to invest in.
Clear screens showed interest rates and payout timelines, so users understood exactly how and when they’d earn.
Withdrawals aligned with the bond anniversary date, no more instant access, but predictable, rewarding outcomes.
Choose any country’s bond
OTA Cameroun
Provided by the Cameroun government
Annual interest rate
6.5%
Maturity date
Sep 20, 2026
OTA Tchad
Provided by the Tchad government.
Annual interest rate
4.5%
Maturity date
July 18, 2025
BTA Gabon
Provided by the Gabon government
Annual interest rate
5%
Maturity date
Dec 29, 2024
OTA congo
Provided by the Congo government
Annual interest rate
5.5%
Maturity date
Nov 05, 2024
14:45
About OTA Cameroun
The OTA Cameroun plan is an investment product for projects owned by the Cameroun government. Interest is paid on the anniversary of the value date, and the capital can only be withdrawn at maturity.
Minimum amount
1,000 XAF
Annual interest
6.5%
Value date
Sep 20, 2025
Learn more
Maturity date
Sep 20, 2026
Learn more
Ejara platform fee
0.75%
Learn more
Interest will be paid annually
Accept and continue
14:45
OTA cameroun
14:45
Total invested
XAF
30,000
Earned 2.45 XAF
Maturity date
Sept 20, 2026
Add money
Interest withdrawable on Sept 20, 2025.
You will be able to withdraw your accrued interest starting from this date.
Last transaction
See all
Deposit
Completed
30,000 XAF
09:23 AM
The OTA Cameroun plan is an investment product for projects managed by the Cameroon government. Interest is paid on the anniversary of the value date... see more
Investing in government bonds
Government bonds offer a simple, secure way to grow your money while supporting development.
Minimum investment amount
Start investing with an initial amount of 1,000 XAF.
Identity verification required
You must have verified your identity.
Capital and interest withdrawal terms
Capital is returned at maturity, and interest is paid annually.
Got it
14:45
Reflection
Transforming this product was more thank the interface, it was about user trust.
At first, some users resisted because they were used to instant access. But with clearer education, transparency, and better expectations, adoption grew.
A single word like “save” vs. “invest” changes how people think, act, and value their money.
Thank you for reading
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