8/10 users enrolled without help. Patterns adopted company-wide.

Venmo had a debit card retention problem. Merchants wanted repeat usage but the rewards mechanics meant to drive it were so complex that most users couldn't follow them, which meant they weren't enrolling, weren't engaging, and weren't coming back. A feature designed to increase loyalty was actively undermining it. I owned the enroll, track, and redeem experience across three campaign types — building it as a flexible system from the start, so that when offer structures changed, the UI didn't break with them. The design challenge had two layers: make enrollment simple enough that a user decides in seconds, and make the reward progress visible enough that they remember why they used the Venmo card instead of any other card in their wallet. In testing, 8 out of 10 users enrolled without any assistance. The patterns I built were adopted across the growth team after launch in Q3 2022, which meant the system was doing two jobs: driving debit card retention for Venmo users and becoming the design foundation for how the growth team built going forward.