Designing an all you need virtual card holder

OneCard is a revolutionary new platform that allows users to store all of their bank details securely on their mobile phones. Unlike other digital wallet solutions, OneCard is an offline platform, so all of your information is stored on your phone's memory.

My role
User Research
User Flow Mapping
Information Architecture
Wireframing
Prototyping
year
2022
industry
Fintech

Background

This was a UI design challenge I saw on Twitter created by a designer to help test and understand how to approach design requirements.
OneCard is a virtual card holder that keeps all your bank details inside your mobile phone. One card is an offline platform so all information is stored on the phone memory. OneCard uses face ID and fingerprint (biometrics) for security. If you need to back up your OneCard data, you can export it as a CSV file and save it anywhere of your choice.

Design requirements

The design requirements were given as follows:
  • Onboard users with name, and password.
  • Allow users use fingerprint or face ID to unlock.
  • Users are able to add multiple credit cards.
  • The name of the card owner would be visible.
  • The last 4 digits of the card would be visible while others would be hashed out. Expiry date would be visible. CVV code will remain hashed.
  • Users can delete cards by swiping to see more options.
  • Users can export the card data.
  • If users are using the app the next time, they should be able to import existing data.

Understanding these requirements

When I first began working on the OneCard platform, I was faced with a significant challenge: how to design a platform that would make it easy for users to manage their finances and make payments on the go, without sacrificing security or convenience.
To tackle this challenge, I started by thoroughly understanding the requirements and conceptualizing the process and flow in my head. I spent countless hours researching the latest trends in digital finance and studying the needs and preferences of potential users.
But even after all of this work, I still felt like something was missing. The solution that I had in mind seemed clunky and cumbersome, and I knew that it wouldn't be able to compete with other digital wallet solutions on the market.
That's when I had a breakthrough; I realized that the key to success was to focus on simplicity and ease of use. I created a user flow diagram that emphasized these principles, which contributed to a design that was well-suited to the needs of users factoring in the requirements.
Though I later tweaked some processes after iterating possible designs which in turn influenced the flow. Afterwards, I started gathering inspiration from Behance, and Dribbble and also download some apps with similar goals.

Getting ideas

After studying the apps of my direct and indirect competitors, I felt confident that I had a good understanding of what I needed to design for the OneCard platform. I picked up my pen and paper and started sketching out some of the major screens.
After some iterations, I moved on to the high fidelity wireframes that captured the essence of the OneCard platform

An innovative way to add cards

The OneCard platform enables you to easily add cards using your phone's camera. With this feature, users can simply scan their card with their phone's camera, and the platform will automatically retrieve the details and fill in the required fields.
users can card details using scan or manual filling

An engaging and personalised experience

Another key feature of the OneCard platform is the ability to style your cards with a variety of templates and label them based on what you use the card for. This creates a more personalized and fun experience for users, making it easy for them to organize their cards and keep track of their finances.
Users get to customize the look and feel of their cards

Manage your cards in one swipe/tap

You can also easily view, copy, and manage your cards. By tapping on a card, you can view its details and copy them to make a transaction. And by swiping right, you can access quick options to edit or delete the card.
Users have easy access to manage their cards (copy, edit, delete)

Switching devices? No problem at all

Another key feature is the ability to easily backup and restore your data. With this feature, users can safeguard their important financial information and ensure that it is always accessible, even if they uninstall and reinstall the app or switch to a new device.
Users can save their data locally on their device

Learnings and key takeaways

Working on this project was a great learning experience for me. As a designer, I was faced with many challenges and obstacles that required me to draw on my skills and experiences to come up with creative solutions.
One of the biggest challenges was the need to create a user-friendly and intuitive interface that would make it easy for users to manage their cards and access their financial information. To overcome this challenge, I relied on my deep knowledge of user-centered design and my experience creating similar products in the past. This allowed me to create a platform that was both functional and easy to use.
I learned a lot from this project, and I am confident that it will help me to continue growing and improving as a designer.

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