Visa Business Credit Card
Designed to support business management
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Problem
Corporate members were not having a positive experience with the previous card provider and the associated digital web channel.
Solution
Offer a Visa card with a digital channel integrated into Internet Banking.
Impact
Over 80% of the credit card user base adopted the Visa card.
More than 82% of users are recurring on the digital platform.
Unicred
Unicred is a cooperative financial institution with over 30 years of experience in the market.
Role
Product Designer
Time line
jun 2023 - Present
Website
Context
Unicred was in the process of creating a new web-based Internet Banking and changing the credit card brand. In this context, the opportunity arose to develop a Visa credit card module within the new Internet Banking platform.
My role
Product Thinking
End-to-end process, from Discovery to Delivery, using design tools to understand problems and develop solutions.
Design tools
Personas, CSD Matrix (Certainties, Suppositions, and Doubts), User Journeys, Analytics, User Flows, Heuristic Analysis, Benchmarking, Research, Blueprint, Design Sprint, Lean Inception.
Software tools
Discovery
1. Personas
We refined the personas created for the Internet Banking initiative using data obtained from surveys on corporate users' perceptions of credit cards.
2. CSD
We documented the team’s certainties, assumptions, and doubts during the design process to map the learning throughout the project.
3. Benchmarking
We analyzed the scope of functionalities of several competitors to understand how the market's position regarding credit card products.
4. Data Analysis
We analyzed previously conducted surveys, behavioral data, and transactional data from the credit card to gain insights into its performance and current status.
5. User Journey
We developed a user journey to understand the opportunities and challenges faced by the user throughout their experience with the card.
Personas
Data Analysis
Benchmarking
User journey
Lean Inception
We knew we would have a credit card module within the Internet Banking, but it was essential to define a Minimum Viable Product (MVP). To achieve this, we conducted a Lean Inception to identify the key functionalities needed for the user.
Vision and Understandment
Understand the target audience/persona for the Credit Card Visa module within Internet Banking, highlighting the different needs compared to the app.
Ideate and Decide
Based on the discovery materials, we identified improvements to be implemented, user needs, and business opportunities within the digital channel.
MVP and Sucess Metrics
We defined functionalities that address the various stages of the credit card product, from onboarding to bill payment. Additionally, we established metrics for adoption (new users and current card base) and retention (feature access and recurring users).
Roadmap
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Delivery
Ideação
In this stage, we used co-creation workshops as a Sprint to facilitate the ideation of features, anticipating scenarios and assessing the technical feasibility of the proposed solutions.
Design System for scale
In addition to piloting the web component library of the UDS (Unicred Design System) used throughout the Internet Banking, we had the opportunity to develop a specific component library for the Visa team in this initiative.
Tokens
Base componentes
Suport Library
Product Components
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Mocks
Interface
We leveraged the visual design standards established in the Internet Banking initiative, which adhered to best heuristic practices and a minimalist aesthetic.
RESUME
INVOICE
MY CARDS
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