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Spreadex Group

Payments Optimisation Engine: rebuilt deposit conversion across FPS, card and EBT

I led payments optimisation across the full deposit journey, spanning provider integration quality, payment method UX, and recovery logic for failed or interrupted flows. The work covered FPS, card, and EBT rails.

By tightening provider integrations with TrueLayer and Cybersource and redesigning user-facing payment and recovery interactions, we removed conversion friction in high-intent moments and lifted both core and first-time deposit performance.

Outcomes

Conversion uplift: visit-to-deposit improved by 6%

New user monetisation: first-time deposits increased by 3%

Rail coverage: optimised 3 payment rails (FPS, card, EBT)

Provider depth: enhanced integration reliability across 2 providers (TrueLayer, Cybersource)

Flow resilience: improved payment recovery paths to reduce abandonment

Payment Journey Redesign

Mapped and rebuilt core payment journeys to reduce friction at method selection, payment entry, and confirmation.

Payment Journey Redesign image 1
Payment Journey Redesign image 2

Provider and Recovery Optimisation

Improved provider interaction design and recovery states so users could complete deposits despite transient failures or interruptions.

Provider and Recovery Optimisation image 1
Provider and Recovery Optimisation image 2

Reflection

What I want to take from this project to new projects

Payments are product surfaces → UX and integration quality together determine conversion outcomes.

Recovery is a growth lever → resilient retry and fallback journeys protect intent and revenue.

Instrumentation-first delivery → event-level funnel visibility made prioritisation far more precise.

What I want to improve on

Earlier provider edge-case simulation → more synthetic failure testing would reduce production surprises.

Deeper rail-specific experimentation → splitting hypotheses by payment rail could unlock additional gains.

Stronger cross-team handoff artefacts → tighter specs would further reduce implementation cycle time.

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