Chetwood Bank
Building a simpler, more inclusive credit card app
A smarter approach to credit
Chetwood Bank is a UK digital bank offering savings, lending and mortgage products through a portfolio of specialist brands. It uses technology and data to build financial products around specific customer needs, rather than taking a one-size-fits-all approach. Its products are designed to give customers more relevant financial options and greater control over their finances.
Chetwood partnered with Apadmi to design and build Wave, its new credit card app. The ambition was clear: customers should be able to sign up, set up their account and access a ready-to-use virtual credit card in under 10 minutes, without compromising on the quality of the experience.
Beyond speed, Wave needed to set a new standard for credit card apps: simple to use, secure and designed to give customers greater control over their money. The result would provide a safe, reliable way for customers to access credit when they need it.
Giving customers a clearer view of their money
Wave was designed to help customers better understand and manage their credit. A Repayment Calculator showed how much they could save by paying off their balance sooner, while a redesigned pending balance made it easy to see exactly how much they had left to spend.
A seamless, secure experience
Apple Wallet and Google Pay integration made it easy for customers to start using their card, while robust security and single sign-on created a smooth experience across devices. The result was an app that felt polished and premium without adding unnecessary complexity.
Designed to work for everyone
Accessibility was built into Wave from the start, not added at the end. Support for larger font sizes and full screen reader compatibility were considered throughout design and development, creating an experience that was clear and easy to navigate for more customers.
Results
The impact was clear: strong customer satisfaction, an onboarding experience customers found easy and five industry award wins for Wave.
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99%
rated onboarding as easy
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2.5M+
transactions processed
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4.7*
App Store rating
“Fantastic ideas and outcomes”
“Nobody needs yes-men in their lives when building an app, you never get the best product when you surround yourself with people who tell you what you want to hear.
Apadmi challenged us and helped us reach further to do justice to the Wave app, and this achieved some fantastic ideas and outcomes.”
-Jenny Lomax, Service Design and Delivery Lead, Chetwood Bank
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