Expanding Virtual Cards Capabilities in One AP
One AP is an accounts payable automation platform built for small to mid-sized businesses.
Problem
Usage data revealed unexpectedly high engagement with a relatively minor feature: virtual cards. We didn’t know why.
Approach
I led generative research to understand the underlying behavior, followed by iterative design and usability testing to expand the product’s virtual card functionality.
Insight
Users were leveraging virtual cards to streamline supplier payments, but the existing implementation was too limited. They wanted greater control — multi-use, single-use, reloadable options, date restrictions, and the ability to assign cards to individuals or teams.
We also uncovered a significant trust gap: card recipients couldn’t verify card details or balances, and admins were manually copying and pasting sensitive information into emails — undermining security and professionalism.
Assigning cards to individuals unlocked the ability to build tailored recipient experiences and a trusted delivery flow.
This required the creation of a new user type, custom onboarding flows, authentication logic, and recipient-facing UIs. The design process involved multiple iterations and rounds of testing across both admin and recipient use cases.
Role
I led the end-to-end research and design effort, conducted interviews, prototyped solutions, and collaborated closely with our PM and engineering partners to ship the final experience.
I’m happy to share a more detailed walkthrough of this project upon request.