Reducing spend by 40k

Tapcheck’s Mastercard card program was incurring unnecessary costs—physical cards weren’t being delivered reliably, and only 44% of users actually used them. The rest relied on virtual cards with digital wallets.

I led product design for a multi-phase initiative across 4 sprints, partnering with Head of Product, engineering leadership, and the card team. 2 FE, 2 BE engineers, PM.

Physical card costs were putting the card program at risk. Cards weren’t reaching users, and most who received them barely used them outside ATMs.

• Address not re-confirmed before shipment—cards sent to outdated addresses

• Multi-unit building addresses caused delivery failures

• Auto-shipping cards to all users regardless of actual usage intent

Shifted to a virtual-card-first experience: users receive their virtual card instantly and can optionally request a physical card. Added address validation via Google Places API to catch formatting errors and improve delivery accuracy.

Introduced a confirm/update address step at card request to close the time gap between registration and shipment. Applied the design system to responsive web versions for seamless cross-platform delivery.

• 18% increase in delivery success for requested cards

• $40K projected annual savings on physical card costs

• Sustained month-over-month decline in physical card requests

• Higher virtual card adoption aligned with actual usage patterns

Prioritizing virtual-first streamlined activation and reduced logistical overhead without removing the physical card option.