Pay card
When I joined а project as a Senior Product Designer, the debit card already supported everyday payments, but its structure was limited to scale. My responsibility was to rethink this vertical not as a set of separate features, but as a system that could grow and stay consistent with the overall banking ecosystem
Role
Senior Product Designer
Scope
Product Strategy, UI/UX/IxD, Prototyping, Design system
Pay Card — debit vertical is a core part of the banking product. It supports daily payments and connects users with other financial services
My responsibility was to evolve this vertical into a scalable system rather than a set of isolated features
From a limited MVP to a scalable experience
At the MVP stage, the debit card experience covered only basic user needs. Key card controls — especially card details and credentials — were difficult to find. The overall functionality was limited and did not support many common user scenarios, leaving users with little control over their card.
To address these limitations, I started by redefining the structure of the main card screen. The focus was on information hierarchy and interaction patterns that could support future growth
Clear structure
for everyday actions
I redesigned the main card screen by regrouping core controls into clear and predictable sections. Balance, transactions, card details, and key actions became easy to find at a glance. This structure reduced cognitive load and became the foundation for all further features.
Plastic card ordering
I designed the plastic card ordering flow as a seamless extension of the digital card experience. The process is short, clear, and focused on user confidence. I designed the plastic card ordering flow as a seamless extension of the digital card experience
Card details & credentials
I introduced a dedicated area for managing card details and credentials. The design balances quick access with a strong sense of security. Sensitive actions feel intentional and safe
A flexible debit card experience across platforms
We expanded the debit card beyond the native banking app by building it as an SDK. This allowed us to integrate card management into multiple Yandex services, adapting it to different user flows and contexts. We also introduced a desktop version, giving users more flexibility and access across platforms.
From a limited MVP to a scalable experience
At the MVP stage, the debit card experience covered only basic user needs. Key card controls — especially card details and credentials were difficult to find. The overall functionality was limited and did not support many common user scenarios, leaving users with little control over their card.
To address these limitations, I started by redefining the structure of the main card screen. The focus was on information hierarchy and interaction patterns that could support future growth
Clear structure
for everyday actions
I redesigned the main card screen by regrouping core controls into clear and predictable sections. Balance, transactions, card details, and key actions became easy to find at a glance. This structure reduced cognitive load and became the foundation for all further features.
Plastic card ordering
I designed the plastic card ordering flow as a seamless extension of the digital card experience. The process is short, clear, and focused on user confidence. I designed the plastic card ordering flow as a seamless extension of the digital card experience
Card details & credentials
I introduced a dedicated area for managing card details and credentials. The design balances quick access with a strong sense of security. Sensitive actions feel intentional and safe
A flexible debit card experience across platforms
We expanded the debit card beyond the native banking app by building it as an SDK. This allowed us to integrate card management into multiple Yandex services, adapting it to different user flows and contexts
Access across
platforms
We also introduced a desktop version, giving users more flexibility and access across platforms. This allowed us to integrate card management into multiple Yandex services, adapting it to different user flows and contexts
Outcomes
Redesigned the debit account experience by introducing QR payments, cashback visibility, card details, and auto top-up — increasing GMV by 13% (€470M → €533M/month)
€533M
GMV month
before €470M
€6.4B
GMV annual
before €5.6B
1.8M
MAU
before 1.5M
14%
CR to payment via bank details
before 8%