ROLE:
LEAD PRODUCT DESIGNER
CLIENT:
TAPCHECK
TEAM:
GROWTH
Reducing card spend
by 40k annually
Synopsis.
Our card program was incurring additional costs due to physical card delivery problems + lack of physical card usage for users.
I led product design for a multi-phase deliverable. I partnered closely with our head of product, engineering leadership and our card team to audit, refine ux, and replace with new design system.
Insights we're solving for.
Many users aren't receiving their physical card in the mail. In today's flow we ask for users address at main registration flow for the app, but don't confirm address pre-shipment of card.
Some users in multi-unit buildings weren't receiving cards. Many user's entered the correct address, but didn't receive their card because of apartment / suite errors.
44% users only use virtual card with digital wallet. We actually don't need to ship the card unless the user actually wants the card. (currently we autoship the physical card)
How can we make card deliveries more successful?
In comparing our 2 funnels for card registration we found a problem with confirming addresses. If a user registers for the card after signing up for earned wage access in our main registration flow and later sign up for the card, they aren’t prompted to confirm address again.
By adding a confirm / update address upon card request, we can greatly increase our delivery success by closing down the time gap between registration and request.
How can we make multi-unit building deliveries more efficient?
We added address validation via google places API / google autocomplete api. This is a high impact / low effort way to increase delivery success as it was previously built.
Do users definitely need a physical card?
Through amplitude, we found that only 44% of our users were using the physical card. Given that lower percentage, we wanted to experiment with a virtual first approach that allows users to request a card (instead of auto shipping upon registration success). This will automatically reduce our physical card costs.
While we want the users feel comfort that they can have a card if they need one, we also want to find a balance of only sending to cards users that would actually use them.
We also want users to feel excitement that they're receiving a card if they request one.
Demo - Reduce plastic flow
How a user confirms their address, receives their virtual card, and requests a physical card if they choose to.
Our impact & what we learned
18% increased delivery success
Integrating Google Places API for address input led to an 18% increase in successful deliveries for requested cards by reducing formatting errors and improving address accuracy at the point of entry.
Business impact
40k projected annual savings on physical cards due to ux changes.
Virtual card first experience delivers
By prioritizing a virtual card–first experience to streamline activation and reduce logistical overhead. By targeting engaged users and surfacing the virtual card earlier in the flow, we saw a sustained month-over-month decline in physical card requests, indicating higher adoption of the card-first model and improved alignment with actual usage patterns.
Missing add to mobile wallet
We hit a blocker on the ability to have an add to mobile wallet button, this would have greatly accelerated our adoption of virtual cards, but with our current card vendor we could add or provide copy buttons for numbers to easily add for users. To be revisited in the future.
