Zelle® • Capital One
Zelle is a US-based digital payments network owned by Early Warning Services, a private financial services company.
Capital One’s Zelle experience satisfied basic functional criteria for a time, but had fallen out of compliance. As the Zelle network grows, new use cases are identified by EWS and incorporated into their guidelines. Participating banks are expected to keep pace with these mandated updates.
Through a reiterative certification process, banks work with both design and tech teams at EWS to ensure participant compliance. As the lead designer on Zelle at Capital One, I successfully negotiated two mature design systems to bring the Zelle experience at Capital One into EWS compliance, introducing the following feature set:
Recent Contacts
Capital One Address Book
Cancel Payment
Onboarding Flow
Enrollment Flow
Zelle Landing Page
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Daryle M. // Lead Designer
Cameron C. // Project Manager
Scott A. // iOS Engineer
Christopher M. // Android Engineer
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Our redesign involved content and visual audit, redesign, usability testing, feedback synthesis, redesign iteration, and stakeholder interviews.
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The resulting design held high impact potential, providing innovative transparency and building user trust.