Credit Card Mobile App Bill Payment Flow

My Role - Lead designer

Ideation Facilitate 

UX Design 

Design Validation 

Visual Design         

Collaborations

Product Owner 

Developers

Researcher

Web platform designer

Platform

Mobile App

Year

2019

THE GOAL

Enable customers make real-time payments directly to their card card through the mobile app they use to check balance. 

BACKGROUND

Capital One Customers need to make payments to their credit cards through their main financial institutions. This often means +3 days of funds that are just floating around. No longer in a customer's bank account, but not freeing up more credit on their card. For people who are trying to build their credit score with low lines of credit, this is often a very stressful period of time.

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Capital One has the technical ability to build real-time payments for customers, where their payment will go through and open up credit almost instantly for more spending. However, we never have the feature in the native mobile app experience.