Choice Digital
2025
Choice Digital — Payments & Prepaid Card Platform
Partnering with Choice Digital, I led end-to-end UX design for a suite of electronic payment and prepaid card products serving utility companies across the US. The work covered the full payments lifecycle — from card activation and identity verification through to transaction management and fraud intervention — within a regulated financial environment where trust, compliance, and clarity are non-negotiable.
Design Systems
Prototyping
Accessibility & Inclusive Design
The Challenge
Choice Digital's platform had grown through acquisition and partnership, resulting in fragmented user journeys across multiple legacy applications. Each utility partner was running a different interface, creating inconsistent experiences for cardholders navigating sensitive financial actions. The goal was to unify this into a single, scalable white-label system that could serve multiple partners without sacrificing regulatory compliance or user trust.
Payment Flow Redesign
Redesigned six core transactional journeys: card activation, identity verification, fund loading, prepaid redemption, peer-to-peer exchange, and transaction history. Each flow was pressure-tested against compliance requirements and fraud edge cases — designing for the moments where a cardholder is most likely to abandon or lose trust. Particular attention went to fraud checkpoint design: communicating security friction in a way that reassures rather than alarms.
White Label Design System
Audited three existing web applications and consolidated them under a single component architecture in Figma, built to WCAG AA/AAA accessibility standards from the ground up. The system supported brand-level variation across utility partners while maintaining a consistent interaction model — meaning compliance disclosures, error states, and transactional confirmations behaved identically regardless of which partner's portal a cardholder was using.
Regulatory & Accessibility Compliance
Designed all payment surfaces to meet financial compliance requirements, including clear disclosure language at key transactional moments, explicit consent flows for stored payment data, and accessible error recovery for users who hit verification failures. WCAG AA/AAA standards were applied across the full component library rather than audited in at the end.
Outcome
A unified payments platform that reduced partner onboarding complexity, met regulatory and accessibility requirements across the full product suite, and gave cardholders a consistent, trust-first experience regardless of which utility they were with.
Skills Used: Visual Design, Information Architecture, Prototyping, Cross-Functional Collaboration
