Credit Card Mobile App Bill Payment Flow
My Role - Lead designer
Web platform designer
Enable customers make real-time payments directly to their card card through the mobile app they use to check balance.
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.
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.