Leveraging credit card business through a seamless onboarding for a leading Caribbean bank.
A leading bank in the Dominican Republic wanted the best digital card-onboarding experience in its market: fast to convert, and built to keep customers engaged long after. I led the redesign end to end, from the diagnosis to the governance handover for implementation and continuous improvement.
The challenge
Offer a best-in-class onboarding experience for both debit and credit card clients of the bank through digital channels. It demanded reworking a regulated, technical process from end to end, unify two separate flows (credit and debit) into one, and do it without direct control over the build, which sat with the bank's own delivery squads. The work ran as a strategy-and-design to provide clarity for the implementation and for performance measurement.
The approach
Six phases, from diagnosis to governance handover. A three-day on-site workshop, current-state journeys for credit and debit, nine personas on an income-by-digitalization model, around 78 pain points grouped into six themes, and a heuristic audit set the baseline. A north-star metric, a unified to-be journey on eight hypotheses, a prototype, and user validation turned it into a plan the bank could build.
Key findings
- A share of the cards that were requested but never activated failed for logistics reasons, not for the experience itself.
- Most of the journey went unmeasured, so the bank could not improve the onboarding because it did not know where the problems actually were.
- Clients that start using the card earlier tend to stay longer, raising their life time value. It highlights the importance of a fast and simple onboarding for the business results.
- The experience broke at several points: missing information, too much data asked of the customer, and channels that were not integrated with one another.
The outcome
The bank left with a to-be onboarding validated with 18 real users and judged viable in practice, a metrics system to steer it, a prioritized development plan, and the documentation to build and run it internally. Two ideas tested especially well: knowing you are pre-approved before downloading the app, and an instant digital card to trigger first use.
What was delivered
- Current-state journeys and six pain-point clusters
- Nine customer personas (income by digitalization)
- Heuristic usability audit and market benchmark
- North-star metric and MVP analytics dashboard
- Unified to-be journey with eight validated hypotheses
- A journey-broad measurement plan, including experience, performance and technical KPIs
- Prototype tested with 18 users, fit-gap, and roadmap
- Governance handover documentation
Client anonymized under confidentiality.