Debit card management

I led the end-to-end redesign of our debit card management experience to support over 400K cards transitioning from Visa to Mastercard.

1. Discovery

User survey

How our first ever consumer survey revealed new opportunities to enhance our debit card management experience.

Goals:

Understand users’ goals and pain points.

Meet business goals of growth, satisfaction, engagement, retention.

Identify high-impact improvements for our mobile-first experience.

We launched our first consumer survey, reaching users across all markets over 3 weeks. By combining survey insights with complaint logs, we built a balanced understanding of user needs.

379

Responses

3

Weeks

8

Markets

1st

Consumer survey

By analyzing debit card management features, we identified which actions users relied on most. I used these insights to shape the page hierarchy, prioritizing quick and easy access to the most frequently used features.

Competitive analysis

Before rethinking our debit card management experience, I conducted a competitive analysis across 13+ financial institutions and fintech apps using the Curinos digital banking analyzer platform.

Goals:

Uncover common UX patterns while highlighting opportunities to stand out.

Refine copy and streamline user flows for clarity and ease.

Pinpoint gaps in essential card management features.

Key findings:

Must have features

Most competitors prioritized quick access to lock/unlock, lost card reporting, and card replacement.

Varying copy

Some apps used technical banking terms, while others leaned into plain, user-friendly language.

UI best practices

High-frequency actions were often surfaced as primary buttons, while less common tasks were nested deeper in menus.

Opportunities for differentiation

High-frequency actions were often surfaced as primary buttons, while less common tasks were nested deeper in menus.

These insights became the foundation of my design hierarchy, ensuring that the most-used actions were front and center while still leaving space for future enhancements. The analysis also gave me a benchmark for usability, helping me advocate with stakeholders for clearer copy, more intuitive navigation, and accessible design patterns.

Behavioral insights

To better understand how users interacted with our debit card management flows, I reviewed dozens of Glassbox session recordings. These recordings gave me a window into real user behavior—beyond assumptions or survey feedback—and uncovered three major usability issues:

Misleading homepage banner copy.

Our banner notified users that their card was ready to activate as soon as it shipped, when in reality they needed the physical card in hand before activation. This created confusion and unnecessary friction.

Poor touch accessibility.

Input fields in the activation and PIN management flows were too small (under 44px tap space) and difficult for users to tap into, especially on iOS.

False affordances.

Visual elements (such as card images and section headers) appeared tappable but weren’t, which led to user frustration.

I compiled these findings into a detailed usability report and presented it to product leadership. By combining evidence from real user behavior with clear design recommendations, I secured buy-in to make changes. I then redesigned the affected flows, addressing the issues directly and improving usability across key card management tasks.

Impact/Effort
MVP workshop

As part of defining the debit card management MVP, I facilitated an impact/effort matrix workshop with product leadership, developers, and stakeholders. Each team member added sticky notes to represent their perspective, and together we voted to prioritize features.

This collaborative process created transparency and alignment, while giving the team a shared sense of ownership. It also provided a clear framework to balance user needs with business goals, ensuring the features we prioritized—like faster card activation and improved security settings—delivered the greatest value with the resources available.

2. Design

3. Outcome & Impact

25-35% reduction in user friction

Restructured the mobile interface by eliminating an unnecessary page and reducing interactions by 2 taps per task. This simplification led to faster task completion, based on tap path analysis and decreased session lengths post-launch.

30-50% reduction in usability issues

Addressed major usability blockers uncovered in session replays, including small tap targets, poor keyboard navigation, and misleading visual cues. Fixing these issues contributed to a decrease in user error rates and drop-offs across key flows, improving both accessibility and overall satisfaction.

Improved activation flow

Redesigned the card activation journey with clearer step-by-step guidance and updated banner copy. Previously, 40% of users clicked the banner expecting to activate without their card in hand. After clarifying requirements in the banner, we saw a reduction in misclicks and user confusion, significantly improving activation success rates.

Modernized visual design

Refreshed the UI using modern, platform-native components and a clear visual hierarchy. This not only improved usability and task scannability but also set a scalable foundation for future features, aligning with our broader app-wide modernization strategy.

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Designed and built by: Meghan Sousa