Visa Offers Exchange
Unlock exclusive Visa offers directly in the ANZ App. As a Visa cardholder, you can browse, activate, and enjoy tailored deals and discounts, all in just a few taps.
Industry
Banking
Role
UX/UI Designer
Timeline
Feb - July 2025
Part One
Project Overview
Project Overview
Background
ANZ Rewards gives customers greater visibility and control over their rewards points directly within the ANZ App. Customers will be able to view their points balance at a glance, sign-on to the ANZ Rewards platform, and redeem their points for cash. .
Client
ANZ Bank
Role
UX/UI Designer
Platforms
iOS (iPhone & iPad)
Android
Key Responsibilities
High fidelity UI mockups
Prototyping
Supporting developers
Statement Design
Accessibility Design
Creating Animations
Project Overview
Problem Context
ANZ App customers currently access merchant offers through Cashrewards, but the experience is limited and disjointed. Offers are the same for all users, cashback takes up to 120 days, and funds are paid into an external wallet instead of directly in the app. This reduces personalisation, convenience, and overall engagement.
Generic Offers
All customers receive the same offers, with no personalisation based on spending or preferences.
Complex Onboarding
Customers must first register with Cashrewards before they can access cashback.
Delayed Cashback
Cashback can take up to 120 days to be paid out, diminishing the perceived value.
External Wallet Dependency
Cashback is deposited into a Cashrewards wallet, creating a disjointed experience outside the ANZ App.
Project Overview
Solution
Visa Offers Exchange (VOX) will bring personalised offers into the ANZ App, tailored to each customer’s spending habits. By combining merchants from both Cashrewards and VOX, customers gain access to a wider range of relevant offers. Cashback will be activated by the customer, made available faster, and paid directly into their nominated ANZ account for a seamless in-app experience.
Personalised Offers
Customers receive tailored offers based on their individual spending habits, making rewards more relevant and engaging.
Wider Merchant Network
Access to offers from both Cashrewards and VOX merchants provides greater variety and value.
Faster Cashback
Cashback is made available sooner, improving customer satisfaction and perceived value.
Seamless In-App Experience
Cashback is paid directly into a nominated ANZ account, removing the need for an external wallet and streamlining the process.
Part Two
Research
Research
Current Solution
The current flow of Cashrewards within the ANZ App is shown here:
Research
Empathy Map
An empathy map was created to better understand customer needs and pain points with the current offers experience.
Research
User Stories
User stories were developed to guide the design of transaction notifications within the ANZ app.
Part Three
Proposed Product
Proposed Product
VOX Dashboard
The VOX dashboard displays three carousels showing active offers, personalised ‘For You’ deals, and popular stores.
Proposed Product
List View of Offers
Browse all your offers in a list view with filters for "For You", "Popular", and "Active" offers.
Proposed Product
Offer Activation
Activate an VOX offer and shop using your ANZ Visa card to unlock the benefits.
Proposed Product
VOX History
View your redemption history and track how much you’ve saved over the past 12 months.
Part Four
Reflection
Reflection
Key Learnings
Designing for Dynamic Content: Because the content for offers is pulled directly from Visa, I had to design with flexibility in mind. I learnt that layouts and components need to adapt to varying lengths of copy, images, and merchant details, ensuring the experience remains consistent and usable regardless of the content served.
Shaping the Activation Flow: Working on the activation step made me realise how easy it is to overcomplicate something that should feel simple. I learnt to refine the flow so it gave users control without adding friction, and this pushed me to think carefully about where to prioritise simplicity in design.
Integrating Multiple Systems: VOX required connecting merchants from both Cashrewards and Visa into one experience. I learnt how crucial it is to design with integration in mind, making sure the system feels seamless to customers even though it pulls from different back-end platforms.
Reflection
Next Steps
The VOX feature was put on hold as the organisation shifted focus to other priorities, but the following steps have been outlined to continue progressing the project.
Conduct User Testing
The next step is to run user testing sessions to validate the design, uncover pain points, and ensure the feature meets customer needs before launch.
Ship the Feature
Following testing and refinements, work with developers to build and release the VOX feature into the ANZ App.