Credit cards come with complex terminology and dense information. The redesign focused on simplifying visuals and structuring information so users could quickly understand their card status, limits, and dues without needing to decode the interface.
Making credit cards easier to understand
1/3
Clarity
Key financial information first
Actions at decision points
Amount due, due date, and credit utilization are surfaced immediately so users can quickly understand their card status.
Primary actions like Pay Now and AutoPay are placed next to payment information to reduce friction.
1
2
iMobile: Cards system designed
to grow and earn trust
The experience wasn't designed to help users make decisions.
Problem
"Credit card transactions are confusing.
Got confused whether my bill is paid or due. Please fix."
"Credit card transactions are confusing.
Got confused whether my bill is paid or due. Please fix."
Comprehension gap
Temporal blindness
Navigation friction
Design Goals
Trust
Build trust in the digital experience
by making key information visible and
easy to verify
Scale
Create a modular system that scales
across multiple cards and future
card products
Control
Reduce friction in high-intent
moments by surfacing controls and
key actions
Impact
Reflection
That shifted a few decisions:
1
We planned to restructure the IA, but familiarity was doing real work so we improved the
existing structure instead of dismantling it.
2
We explored swipe-to-pay, but for users with limited mobility it was a barrier, not a
shortcut. We chose the more recognizable pattern.
3
We assumed people wanted detailed breakdowns of their spending. Most wanted the
opposite: simpler information, and an interface that told them what to do next.
Thinking about mental models and real-world cues
I aligned the visual design with users’ mental model of a physical card, translating familiar cues into the digital interface to reduce cognitive load and build confidence.
Surfacing the right action at the right moment
Once the users feel equipped with the information they require, we want to understand what is the most probable action the user is going to take at that point in the user journey.
2/3
Control
Designing for multiple cards
We rethought the entry point for each card and instead of a single stack users had to dig through, each card got its own identity and direct access point.
The way that users moved through the app changed fundamentally. The idea was that your most used card should feel one tap away, and switching between cards shouldn't feel like starting a new task.
3/3
Scale
2
BEFORE
Cluttered, fragmented, overwhelming
AFTER
Transparent, accessible, guided
Real users, real feedback
The work shipped and is in the hands
of real users.
Fewer edge cases
Design's alignment with existing patterns
meant fewer edge cases to handle.