Card operations

SME Card Controls & Limits

Qatar Bank • NDA • All visuals and data are anonymized

Overview

This case describes the design of a cross-platform experience for managing limits on SME business cards, available in both web and mobile banking. The product allows business owners and authorized users to view, adjust, and control spending limits for company cards issued to employees — with consistent logic across platforms.

WORKED WITH NATIONAL-SCALE COMPANIES, BANKS AND ENTERPRISE PLATFORMS • 10+ YEARS · FINTECH, HR TECH •

Senior Product Designer building enterprise digital products used by millions. 10+ years · Fintech, HR Tech, Platforms · Web & Mobile · Leading teams and delivery

WORKED WITH NATIONAL-SCALE COMPANIES, BANKS AND ENTERPRISE PLATFORMS • 10+ YEARS · FINTECH, HR TECH •

Senior Product Designer building enterprise digital products used by millions. 10+ years · Fintech, HR Tech, Platforms · Web & Mobile · Leading teams and delivery

Product type

SME Banking (B2B)
~9 months (discovery → production launch)


My role

Senior Product Designer
UX architecture · cross-platform flows · permissions logic · UI · stakeholder alignment

Platforms

Web & Mobile Banking



Web & Mobile Banking

Business context

SME customers actively use web banking for administration and mobile banking for day-to-day control. Managing card limits is a frequent operational task that directly affects business continuity. The bank needed a solution that would: Provide clear and safe control over employee card spending Support both desktop and mobile usage patterns Reduce operational and support costs Fit into an existing SME banking ecosystem

Business context

SME customers actively use web banking for administration and mobile banking for day-to-day control. Managing card limits is a frequent operational task that directly affects business continuity. The bank needed a solution that would: Provide clear and safe control over employee card spending Support both desktop and mobile usage patterns Reduce operational and support costs Fit into an existing SME banking ecosystem

Business context

SME customers actively use web banking for administration and mobile banking for day-to-day control. Managing card limits is a frequent operational task that directly affects business continuity. The bank needed a solution that would: Provide clear and safe control over employee card spending Support both desktop and mobile usage patterns Reduce operational and support costs Fit into an existing SME banking ecosystem

The design process

  1. Competitors analysis

  1. User study and hypothesis generation

  1. Prototyping and tests

  1. Iterations

  1. Competitors

From research and UX flows to stakeholder/compliance reviews—supporting parallel delivery across Web, iOS, and Android, and validating the final solution through design QA and staging/UAT testing.

The goal was to identify best practices and common failure points (drop-offs, KYC resubmissions, unclear pricing/limits) and translate them into clear UX requirements for our onboarding—especially around role clarity, progressive disclosure, trust cues, and transparent tariff choice (Constructor vs Local/Global).

  1. User Journey

I mapped the end-to-end customer journey across discovery, validation, confirmation, and post-change stages.

Let's adress some of the user's pain points for this case

  1. UX tests

I conduct in-person UX testing to observe real user behavior and validate critical flows, and I also run moderated/unmoderated sessions using tools like Fabuza

That's some insights I've recieved through tests:

  1. Iterations

UX writing

Stakeholders review

Legal team requirements

Design system integration

Development team

UX Strategy

The key challenge was to design powerful financial controls that feel safe and understandable on both platforms. Core design principles

One source of truth across web and mobile

Visibility before edit

Explicit confirmation for sensitive actions

Predictable and reversible interactions where possible

Results

The feature delivered clear business impact:

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

Card issue
Card settings

Outcome

The final solution gave SME clients confidence and flexibility, while reducing operational load for the bank. This project demonstrates my experience in designing:

Cross-platform SME banking features

Card management and financial controls

Permission-based UX for business users

High-responsibility interactions in regulated environments

  • Open card flow

  • Business cards management

Open business card

Business card limits management

Business card limits management

Business cards management

Case

NTO — NFT Token Offering

Client

NDA

Year

2023

Weather app image
Weather app image
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I’ve had the chance to work with some truly great people across a variety of companies — it was both fun and rewarding. Hopefully one day you’ll cross paths with them, and they’ll have good things to say about what we accomplished together

WORKED WITH NATIONAL-SCALE COMPANIES, BANKS AND ENTERPRISE PLATFORMS • 10+ YEARS · FINTECH, HR TECH •