Wallet Provisioning or Instant Credit is a new initiative that would allow clients to instantly add their newly opened credit card to their mobile wallet. The technical solution leverages Instant Wallet provisioning in Google Wallet and Apple Wallet being built by the SA&I team at RBC and VISA. This capability in our store initiated public .com flow for a new co-branded RBC Credit Card. With Instant Credit, new-to-bank clients at RBC won’t have to wait to be enrolled in Online Banking (OLB) or receive their physical card in the mail. Clients can use this functionality the second their credit card request is fulfilled using their own mobile device and, therefore use their new card (and earn points) immediately.
Wallet Provisioning or Instant Credit's will be part of all credit card applications in the future. Users will need to be able to understand the capabilities as well as the limitations of adding a digital card to their wallet vs. the physical credit card. How can we simply guide the user to trust the process but to also ensure they have the necessary tools required to go through the process seamlessly?
This flow also needed to consider a variety of considerations, such as language, card chosen, iOS or Android, syncing with VISA and 30 minute time frame to complete the process.
Timeframe to complete was two months - design and development.
Originally, Product had envisioned a flow with 7-8 screens, however once I was able to fully understand the various use cases, I was able to create a flow that would be simple and also adaptable. Since details, such as not knowing the user's credit card and also differences in iOS and Android capability, I was able to create a flow that could apply to those use cases and simplify the process both for technical teams but also the end user.