So I was re-reading old posts and came upon a comment that advised me to submit my articles to RedGage to reach more readers. I decided to finally check out the site and see what RedGage was all about. I came to the home page and selected upload near the top of the screen to see what I needed to do to upload a blog post. After I clicked, I was met with this:

As you can see, I hit a roadblock that forces me to login or create an account in order to proceed. Look more closely and you can see that there are no other options. No “x” to close out of the modal window. I am forced to use the “nuclear option”, refreshing the page and starting over.

As a web savvy kinda guy, I know that this isn’t the end of the world. But, it makes me pause and think, “Do I want to do this now?” “I just want information, why do I have to join the site?”  The site is forcing me to make a cost/benefit analysis on the home page, BEFORE I have had a chance to interact with the site in any meaningful way to assess it’s value to me. Since the site has yet to convince me that it’s worth joining,  I let the page sit, in a cost/benefit limbo because they boxed me in.

As I have written before, nothing should stand in the way of your user successfully performing the task that she came to your site to do. Taking that a couple of steps further, people make mistakes, so your site should be prepared for those mistakes and help the user solve them herself without resorting to the (gulp!) non-contextual help pages or throwing the switch and starting over. What if this happened after she had filled in a form? You’ll not likely see that use come back because this site just wasted her time.

One way to get around this is a technique called progressive disclosure. Giving user only the information that they need to make a decision to go onto the next step. When I am at the home page and I have not logged in, I am guest and i am looking for information. I am not yet ready to commit. Only give me the info I need to determine if I want to go further. if so, great. If not, no harm , no foul. I don’t feel as if I over invested to get information.

Take a look at your site. Are you asking too much of your users at any given stage? Are you noticing that people are bailing on forms or not performing all the steps you laid out for them to accomplish a task? If so, see how you can break up the process into smaller, more easily digestible steps instead of one giant leap.

Within its cardboard goodness contained four titles from the good people at HOW. I took advantage of one of their incredible sales. I strongly recommend signing on to their email list.

Anyway, one of the titles that I purchased was The Essential Principles of Graphic Design by Debbie Millman. The title is somewhat misleading; it is a compilation of case studies by some great designers and strategists. They write about projects and give insight into their process which is always welcome information. On the whole, it’s a fantastic book, even better at only $9. She’s aces in my book; her favorite design color is orange.

One of the contributors, Hillman Curtis, wrote about his process for creating the design for the  New York Metropolitan Opera website. One of the points that he made was to design/wireframe the sub pages first and  do the home page last. His reasoning is that through small design changes on the sub pages, the character of more important pages will be more clearly defined. He has a point and I am expanding my rationale for doing so.

I am now a convert because I’d like to devote more design and strategic energy to the pages that people actually use. When those pages are perfected, then the kicking it up a notch for landing/home pages will be much easier as the personality of the site has already been established through the sub pages; color schemes, font usage, proportions, etc. will tend to reveal themselves.

Another benefit of this “reverse engineering” is to create a site where content is paramount. Pages are designed to fit their content, not to fit a style established by a  tricked-out home page. Secondly, the home page design will reflect the actual content and the navigation can be built with that consideration in mind, not just the  aesthetic.

If anyone designs this way or adopts this method, I’d love to hear from you.

Yes, that’s Montel Williams. I’ll save him for another post. Right now I’d like to pick this site apart and show you why this is a great design. And I want to state for the record that this is an objective observation that I am making about this site. There is no judgement cast upon anyone other than the exploitative company and its spokesperson.

First, let’s take into account the audience. They are people that first and foremost consider the terms of Money Mutual’s services to be reasonable.

Second, they likely saw the commercial on TV and are now acting on the call to action. So we can gather that this is a decision that is made in relative haste.

Third, we can likely conclude that the target audience is not the savviest of web users.

Fourth, this audience is likely to be an African-American female. Thus Montel is the spokesperson. Before you flame me, Montel’s show was very popular with black women. So nyahh.

So okay, we have determined our target audience. Onto the site.

Blue is a color most associated with trust, dignity, authority, intelligence, masculinity and professionalism. Many financial institutions use the color blue in their brands to evoke those sentiments in their audiences. So Money Mutual’s color scheme and, if you look closely, their logo are designed to resemble a bank’s.

Montel Williams is a television personality that they have seen before and probably has high numbers in name recognition and trustworthiness in the target market. He has lent his name to other products aimed at this particular market. So we have his photo prominently displayed in the first read.

Okay, so through color choices, they have gained the user’s trust. Good. I mean bad.

Let’s look at the big, honking, APPLY NOW.

It drowns out every other design element on that page in importance other than Montel’s face. That face didn’t have to be Montel’s; we are biologically trained to recognize and focus on human faces. So those that are in a hurry and need the product that Money Mutual is selling will find it easy to complete the task that Money Mutual has set for the user: apply now and enter into an agreement. The large green button at the bottom of the form tells the user that they are on the right track. Go for the green!

Notice that the other navigation elements are tiny in comparison and are in such low contrast that they fade into the background. We don’t want people poking around and finding information such as the interest rates that make usury seem like a back rub. Oops, there I go judging again.

Should the user have any questions, they are off to the right and will take you to answers that are on the same page. Why? Because the site’s architects don’t want the user to leave the page with the big APPLY NOW. Moreover, we tend to file pages that we have been to as past activity, so it is too easy for someone to drop off if and go to another site or just give up altogether if they actually leave the page.

Lastly, let’s look at the content. The target market has questions and the one that is top of mind is “Can I do this?” The answer is front and center, just under the big APPLY NOW call to action. In the green panel to the right of the call to action is a listing of the benefits that using this product will provide the user. If you read them closely, they are a listing of things to fear: embarrassment, penalties, late charges, bounced checks, etc.

According to CNN Money, in 2009, just 10% of consumers paid 90% of overdraft fees. So this is a very real concern for this target market. Kudos to them for developing the content that will resonate with this target market and get them to act now before it is too late.

In sum, despite my opposition to the product and its predatory nature, it is well presented to it’s intended audience and is masterfully designed from a UX standpoint:

• They understand who their target market is and what motivates them
• They created an interface that makes it extremely easy for the user to complete the call to action
• They used design to convey a subconscious message.

I try to get my small business clients to develop that kind of understanding of their target market so that they can provide their creative consultants with the information and insight to create a site that is as effective as I imagine this one to be.

Too harsh a title?