Taking on unfair lending with Good Shepherd Microfinance and NAB


  • Today Strategic Design
  • Good Shepherd Microfinance
  • NAB


Every year, millions of Australians turn to short-term loans to help make ends meet. Unfortunately, they are exploited with unreasonable interest rates and hidden fees at the time they most need help.

Good Shepherd Microfinance and NAB invited Today to help develop a first-of-its-kind: an ethical short-term loan for those experiencing financial stress that looks to improve their financial wellbeing.

We envisioned a world-class digital brand experiences, using design artefacts to empathise with the experiences of vulnerable people. We led the translation of this into a product and experience that puts human outcomes over loan conversion.

Key Features


Features to improve financial outcomes

There were a number of features developed to help ensure Speckle helps get customers to better financial outcomes, including:

– An easy to use repayment calculator which shows the real cost of any loan
– Highly accessible design and language to ensure no one gets lost in the fine print
– Easy to find guidance for seeking financial counselling and warnings about borrowing

This short list is a selection of features in the digital experience of the brand that set it apart from other lending products, making it unique in this market.


An ethical competitor in an exploitative market

Speckle represents a disruption to the short-term loan industry. It launched publicly in February 2018, and has already redirected a significant number of Australians away from predatory loans. Its success in the short term is simply providing a fair and transparent short-term loan. In the longer term its impact will be helping people become financially stable, so they can avoid these loans altogether.


In addition to features and functionality within the digital experience, Speckle also has:

– Fairer (which means lower) interest rates and fees
– Complete transparency of fees and costs

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