SME Card Controls & LimitsFintechCardsSME

Card Operations

A cross-platform experience for managing SME business card limits, card settings, and employee spending controls across web and mobile banking

Client

Qatar Bank

Period

2025

Platforms

Web and mobile banking

Role

Senior Product Designer

UX architecture, cross-platform flows, permissions logic, UI, stakeholder alignment

Work stages

Competitor review and requirement synthesisEnd-to-end journey mapping across discovery, control, confirmation, and post-change statesIn-person and moderated UX testsIteration across writing, legal review, system constraints, and development
31%

increase in self-service limit changes

38%

fewer support requests on card limits

26%

growth in active card-control usage

Overview

This case describes a cross-platform experience for managing limits on SME business cards in both web and mobile banking. It lets owners and authorized users view, adjust, and control employee card spending with one consistent logic model

The project sits close to real business continuity: limit changes are routine operational actions, but poor clarity or permissions design can immediately create friction for finance teams

Business card operations overview visualtap: cover

Business Context

SME customers rely on web banking for administration and mobile banking for day-to-day control. The bank needed a safe operational layer that respected those patterns rather than forcing the same behavior everywhere

The solution had to reduce support and operational cost, fit the broader SME banking ecosystem, and still make employee card control feel direct and manageable

Design Process

The source structure includes competitor analysis, user-journey mapping, UX testing, and iteration with legal and implementation stakeholders

A key input was understanding where unclear limits, confusing pricing, or weak role clarity create failure points, then translating those risks into cleaner requirements for both channels

  • Competitor review and requirement synthesis
  • End-to-end journey mapping across discovery, control, confirmation, and post-change states
  • In-person and moderated UX tests
  • Iteration across writing, legal review, system constraints, and development
Business card operations journey and control mappingtap: cover

UX Strategy

The central design problem was how to make powerful financial controls feel understandable and safe on both platforms. The source frames this as a question of confidence, not just configuration

  • One source of truth across web and mobile
  • Visibility before edit
  • Explicit confirmation for sensitive actions
  • Predictable and reversible interactions where possible

Results

The released feature improved self-service, reduced support dependency, and increased active use of card controls

  • 31% increase in self-service limit changes by SME clients
  • 38% reduction in support requests related to card limits
  • 26% growth in active usage of card controls across channels

Outcome

The final solution gave SME clients more confidence and flexibility while reducing operational load for the bank

It demonstrates experience in cross-platform SME banking features, card management, permission-based UX, and high-responsibility interactions in regulated environments