Jessica Kim UX/UI Design

Direct Deposit Third Party Provider Switch

Figma here

Role
UX/UI, A/B Testing

Team Makeup
Designer (self), 2 PM, 3 Devs, 2 Marketing, Copywriter, and Compliance

About: Direct deposit streamlines the process of receiving funds for our users by enabling them to access their earnings directly from their employers, eliminating the need to visit a bank and deposit a physical check. To facilitate this service, Green Dot collaborates with a third-party platform that enables users to locate their employers and link their checking accounts. Previously, our partnership was with Plaid; however, this time, we've teamed up with Atomic, making adjustments to the requirements to allow users to seamlessly connect their employers' payment systems directly to their checking accounts.

Problem: Green Dot has revamped its partnership and adjusted certain requirements for utilizing direct deposit. Additionally, design team and marketing had highlighted a redesign aimed at enhancing user opt-in rates.

Methods/Process: We engaged in multiple calls and walk-throughs with Atomic. Following discussions with Atomic regarding main user pain points and issues, which were informed by their research with past and current clients, our team delved into further research. Subsequently, we collaborated with cross-functional teams including developers, project managers, and marketers to outline the requirements for the landing page and to strategize the potential flow we needed to mock up and develop. This led us into a rapid discovery phase, involving multiple iterations and meetings. Finally, we concluded with additional validation and A/B testing before rolling out our enhanced direct deposit feature.
Discovery: This process was interesting to say the least. Originally, the team believed we also had to map out the user flow, because to a certain extent, Atomic has customization available. But after further discussing with devs, we all realized, we didn’t need to map out a whole new flow. We just needed the landing screen and define design elements and decide which route of the possible flows/customization we would go.
Validation: We utilized a lot of user testing, run-throughs with different teams (hallway testing), and two different AB testing before shipping out the updated direct deposit feature.

Final: The team and I were able to wrap up design process by ending with our final validation step. Once completed, we further did a final round of reviews including compliance/legal and marketing.
Results: We were able to do a smooth transition from one third party provider to another, without disrupting our current customers that rely on direct deposit.