Overview
DCB credit card users on Niyo often faced friction in paying their bills on time due to manual, repetitive payment steps. To solve this, I designed the DCB SCC Autopay feature a seamless
“set it once” solution that recognizes the right entry points across bill states, simplifies setup, and provides flexible control for users to manage or modify payments effortlessly.
Problem Statement
Users struggled each month to remember due dates, make manual payments, and avoid late fees. Without an automatic payment option, the process was time‑consuming and error‑prone, resulting in missed payments, penalties, and reduced trust in the overall repayment experience.
Key pain points:
• Forgetting due dates across multiple credit cards.
• No “set and forget” mechanism for recurring payments.
• Lack of clarity around potential autopay failures.
• Higher support queries from missed or delayed payments.
Goals
The goals of this project were to reduce the mental load of managing DCB credit card bills and make repayments feel predictable and low effort. The feature also aimed to strengthen user trust in Niyo’s credit experience by turning bill payment into a background task instead of a monthly chore.
- Increase on‑time repayments through a reliable, transparent autopay system
- Drive strong adoption of autopay for both full and minimum due amounts
- Reduce late‑fee incidents and support tickets by preventing missed payments up front Sources
The Process
Over 1.5 months, this feature went from problem framing and user pain‑point mapping to competitor research, flow definition, wireframing, and final UI polish, including edge‑case handling and management flows (pause, modify, cancel). The result is an autopay system that is easy to set up, appears at the right bill moments, and gives users transparent control while improving on‑time repayments.
Challenges faced
The main challenges in this project were identifying the right entry points for autopay across different bill states without overwhelming users, and ensuring prompts felt timely and contextual rather than pushy. It was also important to balance user control with business retention by adding thoughtful friction to pause and cancel flows, while still keeping management actions simple and transparent. Finally, the flows had to clearly distinguish credit card bill autopay from any potential future utility autopay, and account for edge cases like mandate failures and insufficient funds with clear, reassuring communication.
The Solution
The final solution enables users to set up, manage, and trust autopay with minimal effort while maintaining full control. Clean UI patterns, trust‑driven visuals, and smart bottom sheets make setup intuitive, while well‑timed nudges and RBI‑compliant consent language reinforce reliability.
The feature is expected to significantly boost on‑time DCB repayments, reduce user anxiety around due dates, and lower support load, ultimately strengthening user confidence in Niyo’s credit experience. For further process details and upcoming iterations, feel free to reach out to me via email; I would love to walk you through the complete flow and design reasoning.
The Result
The final solution enables users to set up, manage, and trust autopay with minimal effort while maintaining full control. Clean UI patterns, trust‑driven visuals, and smart bottom sheets make setup intuitive, while well‑timed nudges and RBI‑compliant consent language reinforce reliability.
• Easy, low‑effort setup that fits into existing bill states
• Clear management options for editing, pausing, or canceling autopay
• Trust cues through banners, badges, and transparent consent copy
• Contextual nudges that remind users without feeling intrusive