Capital One Bank

McLean, VA; 2014-2015




Overdraft + Funds Forecast


Sketch, Balsamiq, Axure, Invision, Flinto, Illustrator, Photoshop


I was the sole designer on a Design Thinking product team that was tasked with tackling the overdraft problem. To understand how to design for a better experience when customers run out of money, we talked to customers through various empathy interviews and defined the problem from many angles. Then as a team, we attempted to come up with solutions. I was able to gain a great depth of understanding into all aspects of overdraft — from the customer standpoint as well as from the banking standpoint and how the current systems worked.


The Work

Over the course of 4 months, we prototyped and tested prototypes. Then we learned about Service Design from our colleagues at Adaptive Path and learned how to see the big picture for opportunity. From there, I created a user flow, prototyped a few ideas, and then went on to other projects within Capital One where I could lend my overdraft knowledge including Capital One 360 Funds Forecast and an iOS project for pre-authenticated account views.


Understanding the problem and how customers felt about overdraft

The Solution

The final output of our research and testing was implemented in several places and resulted in a policy update that was rolled out to customers in 2017: Next Day Grace Period for Overdraft.

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