{"id":9203,"date":"2023-05-18T15:18:00","date_gmt":"2023-05-18T15:18:00","guid":{"rendered":"https:\/\/www.apadmi.com\/?post_type=work&#038;p=9203"},"modified":"2026-09-24T15:20:30","modified_gmt":"2026-09-24T15:20:30","slug":"chetwood-bank","status":"publish","type":"work","link":"https:\/\/www.apadmi.com\/en-nl\/work\/chetwood-bank\/","title":{"rendered":"Chetwood Bank"},"content":{"rendered":"<div\n\tclass=\"overflow-x-clip text-on-background flow-root\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t<div class=\"flex flex-col items-center-safe gap-18 md:gap-24 block-inset-x pt-64 pb-64\">\n\t<h1\t\tclass=\"uppercase text-36 md:text-64 leading-none font-black text-balance max-w-3xl text-center\"\n\t>\n\t\tChetwood Bank\t<\/h1>\n\n\t\n\t\t\t<p class=\"text-black text-balance text-16 md:text-20 md:mt-16 max-w-3xl leading-tight md:leading-none text-center\">\n\t\t\tBuilding a simpler, more inclusive credit card app\t\t<\/p>\n\t\n\t<\/div>\t<\/div>\n<\/div>\n\n<div\n\tclass=\"overflow-x-clip text-on-background flow-root\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t<img\n\tsrc=\"https:\/\/apadmi.com\/uploads\/2026\/09\/chetwood-phone-app-mockup-hero.webp\"\n\talt=\"Smartphone displaying a form and a digital card rests against rippled blue fabric.\"\n\tclass=\"object-cover rounded-16 bg-(--img-avg-color)\"\n\t\t\tdata-brightness=\"light\"\n\t\tstyle=\" --img-avg-color: #44576E;\"\n\t\t\twidth=\"1600\"\n\t\theight=\"900\"\n\t\/>\t<\/div>\n<\/div>\n\n<div\n\tclass=\"overflow-x-clip text-on-background flow-root\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t\t<\/div>\n<\/div>\n\n<div\n\tclass=\"overflow-x-clip text-on-background flow-root\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t<div class=\"block-inset-x group\/bodyCopy flex flex-col mid:gap-y-16 max-w-xl box-content mid:mx-auto pt-64 mid:pt-72 pb-64 mid:pb-72\">\n\t\n\t\t\t<h2\t\t\tclass=\"text-20 leading-tight sm:text-44 sm:leading-none uppercase text-balance font-black w-fill\"\n\t\t>\n\t\t\tA smarter approach to credit\t\t<\/h2>\n\t\n\t\t\t<p class=\"text-pretty w-fill font-bold text-16 leading-minimal sm:text-20 not-first:mt-24 mid:not-first:mt-32\">\n\t\t\tChetwood 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 <a href=\"\/sectors\/financial-services\/\" data-type=\"link\" data-id=\"\/sectors\/financial-services\/\">financial products<\/a> 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.\t\t<\/p>\n\t\n\t\n\t<div class=\"flex flex-col gap-y-24 w-fill mt-44 mid:mt-24\">\n\t\t\n<p class=\"*:link:underline text-16 md:text-18 leading-minimal md:leading-[1.4] is-top-level:block-inset-x text-start\">\n\tChetwood 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.<br><\/p>\n\n<p class=\"*:link:underline text-16 md:text-18 leading-minimal md:leading-[1.4] is-top-level:block-inset-x text-start\">\n\tBeyond 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.<br><\/p>\n\n<h2\tdata-slug=\"giving-customers-a-clearer-view-of-their-money\"\n\tclass=\"text-balance font-black uppercase text-18 leading-tight sm:text-28 text-start\"\n>\n\tGiving customers a clearer view of their money<\/h2>\n\n<p class=\"*:link:underline text-16 md:text-18 leading-minimal md:leading-[1.4] is-top-level:block-inset-x text-start\">\n\tWave 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.<br><\/p>\n\n<h2\tdata-slug=\"a-seamless-secure-experience\"\n\tclass=\"text-balance font-black uppercase text-18 leading-tight sm:text-28 text-start\"\n>\n\tA seamless, secure experience<\/h2>\n\n<p class=\"*:link:underline text-16 md:text-18 leading-minimal md:leading-[1.4] is-top-level:block-inset-x text-start\">\n\tApple 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.<br><\/p>\n\n<h2\tdata-slug=\"designed-to-work-for-everyone\"\n\tclass=\"text-balance font-black uppercase text-18 leading-tight sm:text-28 text-start\"\n>\n\tDesigned to work for everyone<\/h2>\n\n<p class=\"*:link:underline text-16 md:text-18 leading-minimal md:leading-[1.4] is-top-level:block-inset-x text-start\">\n\tAccessibility 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.<\/p>\n\t<\/div>\n<\/div>\t<\/div>\n<\/div>\n\n<div\n\tclass=\"overflow-x-clip text-on-background flow-root\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t\t<\/div>\n<\/div>\n\n<div\n\tclass=\"overflow-x-clip text-on-background flow-root\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t<div class=\"block-inset-x mid:grid mid:grid-cols-3 md:grid-cols-4 mid:gap-48 pt-140 pb-120\">\n\t\t\t<div class=\"max-sm:mb-20 max-mid:mb-32 sm:col-1 sm:row-1 w-full sm:max-w-xs\">\n\t\t\t\t\t\t\t<h2\t\t\t\t\tclass=\"text-36 leading-none sm:text-44 sm:leading-none text-balance font-black uppercase\"\n\t\t\t\t>\n\t\t\t\t\tResults\t\t\t\t<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"text-16 leading-minimal sm:text-18 sm:leading-snug text-balanced mt-16\">\n\t\t\t\t\tThe impact was clear: strong customer satisfaction, an onboarding experience customers found easy and five industry award wins for Wave.\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t<ul class=\"mid:col-start-2 mid:col-end-span-2 md:col-end-span-3 mid:row-1 sm:grid sm:grid-cols-2 md:grid-cols-3 sm:gap-32 sm:auto-rows-fr max-sm:space-y-32 mid:ml-auto w-fill\">\n\t\t\n<li class=\"list-none rounded-28 p-32 border border-neutral-light w-fill aspect-4\/3 sm:aspect-square relative flex flex-col justify-end\">\n\t<svg aria-hidden=\"true\" class=\"size-56 absolute top-32 right-32 size-42 sm:size-56 text-accent\" xmlns='http:\/\/www.w3.org\/2000\/svg' width='24' height='24' viewBox='0 0 24 24' fill='none'><path d='M1.365 17.788a.838.838 0 0 1-.616-.248.838.838 0 0 1-.249-.617v-.354c0-.665.347-1.212 1.042-1.64.695-.427 1.601-.64 2.718-.64.184 0 .37.005.557.017.187.011.376.034.566.067a3.733 3.733 0 0 0-.575 2.002v1.413H1.366Zm6.043 0a.878.878 0 0 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flex-col justify-end\">\n\t<svg aria-hidden=\"true\" class=\"size-56 absolute top-32 right-32 size-42 sm:size-56 text-accent\" xmlns='http:\/\/www.w3.org\/2000\/svg' width='24' height='24' viewBox='0 0 24 24' fill='none'><path d='m5.373 16.75 2.323 2.323a.705.705 0 0 1 .22.522.742.742 0 0 1-.235.532.784.784 0 0 1-.527.225.7.7 0 0 1-.527-.225l-3.494-3.495A.827.827 0 0 1 2.877 16a.828.828 0 0 1 .256-.633l3.494-3.494a.716.716 0 0 1 .514-.213.749.749 0 0 1 .54.213.735.735 0 0 1 .232.534c0 .202-.077.38-.232.535L5.373 15.25H19.75a.73.73 0 0 1 .535.215.726.726 0 0 1 .215.535.726.726 0 0 1-.215.534.725.725 0 0 1-.535.216H5.373Zm13.254-8H4.25a.725.725 0 0 1-.535-.216A.725.725 0 0 1 3.5 8a.73.73 0 0 1 .215-.535.725.725 0 0 1 .535-.215h14.377l-2.323-2.323a.705.705 0 0 1-.22-.523.742.742 0 0 1 .235-.531.784.784 0 0 1 .527-.225.7.7 0 0 1 .527.225l3.494 3.494a.826.826 0 0 1 .256.633.826.826 0 0 1-.256.633l-3.494 3.494a.717.717 0 0 1-.514.212.749.749 0 0 1-.54-.212.735.735 0 0 1-.232-.535c0-.201.077-.38.232-.535l2.308-2.307Z' fill='currentColor'\/><\/svg>\n\t<p class=\"text-64 leading-none font-black text-balance uppercase line-clamp-2\">\n\t\t2.5M+\t<\/p>\n\n\t\t\t<p class=\"text-16 leading-snug sm:text-18 max-sm:mt-12 text-pretty line-clamp-3\">\n\t\t\ttransactions processed\t\t<\/p>\n\t<\/li>\n\n<li class=\"list-none rounded-28 p-32 border border-neutral-light w-fill aspect-4\/3 sm:aspect-square relative flex flex-col justify-end\">\n\t<svg aria-hidden=\"true\" class=\"size-56 absolute top-32 right-32 size-42 sm:size-56 text-accent\" xmlns='http:\/\/www.w3.org\/2000\/svg' width='24' height='24' viewBox='0 0 24 24' fill='none'><path d='m8.85 16.826 3.15-1.9 3.15 1.925-.825-3.6 2.775-2.4-3.65-.326-1.45-3.4-1.45 3.376-3.65.325 2.775 2.425-.825 3.575Zm3.15-.137-3.89 2.346a.72.72 0 0 1-.436.107.791.791 0 0 1-.395-.147.84.84 0 0 1-.273-.332.649.649 0 0 1-.031-.453l1.033-4.417-3.435-2.973a.735.735 0 0 1-.245-.388.702.702 0 0 1 .028-.428.845.845 0 0 1 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pb-64\">\n\t<img\n\tsrc=\"https:\/\/apadmi.com\/uploads\/2026\/09\/mature-woman-phone-orange-coffee.webp\"\n\talt=\"Smiling woman in an orange sweater sits in a leather armchair, holding a decorated smartphone beside a coffee cup in a bright caf\u00e9.\"\n\tclass=\"object-cover aspect-square rounded-28 mid:rounded-16 w-fill max-w-md mid:max-w-3xl mid:justify-self-end aspect-square bg-(--img-avg-color)\"\n\t\t\tdata-brightness=\"dark\"\n\t\tstyle=\" --img-avg-color: #815E52;\"\n\t\t\twidth=\"1600\"\n\t\theight=\"900\"\n\t\/>\n\t<div class=\"flex flex-col items-start max-w-md lg:max-w-lg\">\n\t\t\t\t\t<h2 class=\"text-20 mid:text-28 leading-snug font-black uppercase text-balance\">\n\t\t\t\t&#8220;Fantastic ideas and outcomes&#8221;\t\t\t<\/h2>\n\t\t\n\t\t\t\t\t<p class=\"text-16 leading-minimal mid:text-18 mt-16 mid:mt-24\">\n\t\t\t\t<br>&#8220;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. <br><br>Apadmi challenged us and helped us reach further to do justice to the Wave app, and this achieved some fantastic ideas and outcomes.&#8221;<br><br><em>-Jenny Lomax, Service Design and Delivery Lead, Chetwood Bank<\/em><br>\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n<\/div>\t<\/div>\n<\/div>\n\n<div\n\tclass=\"overflow-x-clip text-on-background flow-root bg-orange-300\"\n\t\t\tdata-theme=\"orange-light\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t<div class=\"block-inset-x flex flex-col gap-32 md:grid md:grid-cols-6 items-start md:items-center pt-64 sm:pt-120 pb-64 sm:pb-120\">\n\t<div class=\"row-1 col-start-1 col-end-span-3\">\n\t\t\t\t\t<h2 class=\"text-36 leading-none md:text-44 font-black uppercase text-balance\">\n\t\t\t\tRead more success stories\t\t\t<\/h2>\n\t\t\n\t\t\t\t\t<p class=\"text-16 leading-minimal md:text-24 mt-12\">\n\t\t\t\tFrom retail and healthcare to FMCG and media, we help ambitious organisations solve complex challenges, drive revenue, and build loyalty with exceptional digital products and mobile apps.\t\t\t<\/p>\n\t\t\t<\/div>\n\n\t<a\t href='\/en-nl\/work\/' class='focus:outline-hidden focus-visible:outline-auto transition uppercase leading-none outline-offset-8 disabled:grayscale disabled:pointer-events-none select-none group relative isolate h-52 rounded-full border border-accent px-40 flex items-center font-semibold justify-center-safe button row-1 col-start-5 col-end-span-2 md:justify-self-end'>\n\t\t\t<div aria-hidden=\"true\" class=\"absolute top-0 left-0 -z-10 flex size-50 items-center justify-end rounded-full bg-accent text-on-accent transition-[width] ease-spring-smooth group-hocus:w-full duration-500\">\n\t\t\t<div class=\"-translate-x-16\">\n\t\t\t\t<svg width='20' height='20' viewBox='0 0 20 20' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'><path d='M4.34065 10.829L13.649 10.829L9.58232 14.8957C9.25732 15.2207 9.25732 15.754 9.58232 16.079C9.73801 16.2351 9.94939 16.3228 10.1698 16.3228C10.3903 16.3228 10.6016 16.2351 10.7573 16.079L16.249 10.5873C16.574 10.2623 16.574 9.73735 16.249 9.41235L10.7573 3.92068C10.4323 3.59568 9.90732 3.59568 9.58232 3.92068C9.25732 4.24568 9.25732 4.77068 9.58232 5.09568L13.649 9.16235L4.34065 9.16235C3.88232 9.16235 3.50732 9.53735 3.50732 9.99568C3.50732 10.454 3.88232 10.829 4.34065 10.829Z' fill='currentColor' \/><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\n\t<span class=\"translate-x-20 text-accent uppercase transition ease-spring-smooth group-hocus:-translate-x-20 group-hocus:text-on-accent duration-500\">\n\t\tDiscover all our work\t<\/span>\n\n\t<\/a>\n\t<\/div>\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Making credit cards more inclusive with the Wave app","protected":false},"featured_media":9197,"template":"","meta":{"es_utils_meta_schema":"","esPageTheme":"default","esPageBackground":"","esWorkLogoColorId":341,"esWorkLogoMonoId":343,"esWorkLogoColorUrl":"https:\/\/apadmi.com\/uploads\/2026\/07\/Chetwood-Bank-Black.svg","esWorkLogoMonoUrl":"https:\/\/apadmi.com\/uploads\/2026\/07\/Chetwood-Bank-White.svg","footnotes":""},"sector":[],"class_list":["post-9203","work","type-work","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Chetwood Bank | Wave Credit Card App | Apadmi<\/title>\n<meta name=\"description\" content=\"Discover how Apadmi developed an inclusive, mobile-first credit product for financial services disruptor, Chetwood Bank.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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