Designed a supplementary banking card experience that enables primary users to issue and manage additional cards with customizable spending limits, usage controls, and real-time visibility.The solution balances user control, security, and ease of management within a regulated banking environment.
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UX/UI strategies designed to balance user control, security, and transparency in supplementary card management.
Figma, Sketch, Notion
3 days approx.
Indian households are rapidly adopting digital payment methods, with mobile banking apps becoming central to day-to-day financial management. As families transition away from cash-based allowances, primary account holders are increasingly expected to provide controlled digital payment access to dependents, such as children, elderly relatives, and other family members.Prime users require strong visibility into spending, flexible controls over limits and usage, and reassurance around safety and misuse. However, current supplementary card experiences across banking platforms are often poorly surfaced, difficult to configure, and fragmented across multiple screens. These flows frequently rely on financial jargon, rigid setups, and non-intuitive controls, making it hard for users to understand or trust the system.This leads to increased cognitive load, hesitation during setup, and reduced confidence in managing family finances digitally, ultimately limiting the adoption of supplementary cards.
This project aims to design a focused, high-impact slice of NeoBank’s mobile banking platform that enables prime account holders to discover, create, and manage supplementary digital cards for family members through a simple, transparent, and secure experience, delivering clear controls and decision-ready spending insights without requiring financial expertise.
How might we enable prime account holders to confidently create and manage supplementary digital cards for family members, while ensuring:
→ High discoverability
→ Strong control & transparency
→ Safety and trust
→ Ease of onboarding for non-primary users
Assumptions:
→ The prime member already has an active NeoBank savings account and regularly uses the mobile banking app.
→ Regulatory and KYC requirements are already fulfilled for the prime account holder.
The supplementary card is an add-on to the prime member’s debit account, not a credit card. Reason: Debit-based supplementary cards reduce financial risk, avoid credit liability concerns, and are more suitable for controlled household spending, such as allowances for children or dependents.
→ The supplementary card is primarily intended for controlled, everyday spending, not high-value or credit-based purchases.
→ Both prime and supplementary users have access to a smartphone with internet connectivity.
→ Prime members are motivated to move away from cash due to lack of tracking.
→ The prime member expects to retain full control over limits, categories, and card status at all times.
→ Most household spending is low-to-medium value, frequent transactions.
→ Users value simplicity and clarity over advanced financial configurations.
