0-1 funding and payment feature
Designing a dynamic, multi-platform funding tool for new account onboarding.
Multi-platform ecosystem (Web, iOS, Android)
E-commerce
Multi-platform ecosystem (Web, iOS, Android)
Challenge
After opening a new account, many customers stalled at the funding step.
The process felt fragmented, options were unclear, and completion rates lagged.
“How might we make funding intuitive, fast, and personalized—no matter where customers start?”
Solution
A dynamic, personalized funding tool in a modular component that intelligently adapts to:
Platform: web, mobile app, tablet
User profile: account type, funding eligibility
Integrations: linked accounts, direct deposit partners, and future-proofed for new integrations
It can be “called” at any moment: during onboarding, account overview, or promotional flows.
Modules:
Funding option cards (with method, time, and security cues)
Personalized header showing recommended next step
Contextual microcopy for transparency
35%
Improved onboarding process
25%
Increase in user retention
84%
Increase in time spent on website
Design decisions
Progressive disclosure → show what matters first, expand for details.
Personalization logic was mapped to ensure relevance without overwhelming the user.
Progressive disclosure kept the UI clean—users could expand to learn more or act directly.
Consistent motion and microinteractions reinforced continuity across web and mobile.
Accessibility and compliance were embedded from the start, aligning with institutional standards.
System impact
This feature became part of the updated onboarding system, enabling future reuse:
Easily triggered by other teams’ workflows
Unified design language for “funding moments”
Reduced design and development lift
Conclusion
This project reinforced the power of modularity and contextual design. By aligning the system to user intent and platform signals, we turned a transactional step into a moment of confidence and momentum—helping customers start their financial journey seamlessly.