{"id":215,"date":"2024-09-19T12:32:19","date_gmt":"2024-09-19T18:32:19","guid":{"rendered":"https:\/\/alejandroreveles.com\/?p=215"},"modified":"2025-05-14T16:28:53","modified_gmt":"2025-05-14T22:28:53","slug":"fintonic-credit-card","status":"publish","type":"post","link":"https:\/\/alejandroreveles.com\/es\/product-design\/fintonic-credit-card\/","title":{"rendered":"Fintonic Credit Card"},"content":{"rendered":"
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\n\t\t\t\t\t\t\t\t\tOVERVIEW\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tAs part of Fintonic\u2019s product expansion, I led the design of a Mastercard-backed credit card experience focused on driving engagement and building financial trust. The goal was to increase app usage and embed the card as a core part of users\u2019 financial routines by offering transparency, smart incentives, and an experience tailored to user needs.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tTHE CHALLENGE\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWe set out to design a credit card experience that felt intuitive, trustworthy, and aligned with Fintonic\u2019s mission of financial empowerment. The challenge was to deliver clear benefits \u2014 such as no annual fees or hidden charges \u2014 while incentivizing healthy financial habits through personalized tools, educational insights, and rewards for responsible use.\n
\nThis required deeply integrating the credit card into the app\u2019s existing ecosystem, ensuring a seamless journey from onboarding to daily expense management and real-time credit tracking.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tDESIGN APPROACH\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tUnderstanding Financial Behavior.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWe conducted interviews and analyzed Fintonic users\u2019 financial routines to uncover trust barriers and discover what features would truly drive ongoing engagement. This included competitive analysis and real user feedback loops.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tMapping the End-to-End Journey.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWe mapped the full user flow \u2014 from application to spending and rewards \u2014 identifying key moments to deliver value while maintaining a seamless experience within Fintonic\u2019s broader ecosystem.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tDesigning & Testing the Experience.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tInteractive prototypes were developed to explore smart onboarding, contextual financial tips, and real-time tracking. We launched an initial pilot with a close group of users to gather insights, iterate on messaging, and refine the experience before public rollout.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tKey Design Decisions\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • No-annual-fee model<\/strong>, paired with transparent interest rate breakdowns.<\/p><\/li>

  • Personalized financial tips<\/strong>, helping users understand and maximize card benefits.<\/p><\/li>

  • Dynamic interest rates and credit limits<\/strong>, adjusted based on responsible usage and financial behavior.<\/p><\/li>

  • Integrated UX for tracking expenses, payments, and rewards<\/strong>, turning the card into a natural extension of Fintonic\u2019s ecosystem.<\/p><\/li>

  • User-friendly visual language<\/strong> that built trust and reinforced financial literacy.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    \n\t\t\t\t\t\t\t\t\tFINAL IMPACT\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tThe credit card became a key driver of user engagement, transforming Fintonic from a financial manager into a more essential tool. The integration of smart education, clear terms, and rewards encouraged better financial habits \u2014 resulting in higher retention and frequency of use. This positioned Fintonic as a more complete and trusted personal finance platform.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

    OVERVIEW As part of Fintonic\u2019s product expansion, I led the design of a Mastercard-backed credit card experience focused on driving engagement and building financial trust. The goal was to increase app usage and embed the card as a core part of users\u2019 financial routines by offering transparency, smart incentives, and an experience tailored to user […]<\/p>\n","protected":false},"author":1,"featured_media":447,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[3],"tags":[8],"class_list":["post-215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-design","tag-product-design"],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/alejandroreveles.com\/wp-content\/uploads\/2024\/09\/frame_fintonic-credit-card.png","_links":{"self":[{"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/posts\/215","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/comments?post=215"}],"version-history":[{"count":25,"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/posts\/215\/revisions"}],"predecessor-version":[{"id":700,"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/posts\/215\/revisions\/700"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/media\/447"}],"wp:attachment":[{"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/media?parent=215"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/categories?post=215"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alejandroreveles.com\/es\/wp-json\/wp\/v2\/tags?post=215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}