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CardFlow: Corporate Card Governance Platform

COMPANY
Cardflow

ROLE
Lead UX/UI Designer

INDUSTRY
Fintech

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Project description

Enterprise finance and operations teams managed corporate cards and spending through fragmented systems and manual processes, resulting in limited real-time visibility, delayed approvals, and inconsistent controls.
This increased operational risk, compliance exposure, and reliance on spreadsheets across departments.
Existing tools were largely reactive, lacking the proactive controls, decision support, and audit readiness required in regulated financial environments.

Timeline

Background

From explorations to final designs in 10-12 weeks while working with multiple projects at the same time.

This project was initiated to address the growing complexity of managing corporate cards and employee spending within large enterprises. As organizations scaled, finance and operations teams required stronger visibility, controls, and governance to manage spend efficiently while meeting compliance expectations. The initiative focused on replacing fragmented, manual workflows with a centralized, enterprise-grade platform that supports real-time oversight, approvals, and audit readiness.

Process

The UX process followed a structured, user-centered approach, beginning with stakeholder and user research to understand finance, risk, and operations workflows. Insights were translated into clear information architecture, task flows, and interaction patterns, followed by iterative wireframing, usability validation, and high-fidelity design using a scalable design system. Continuous collaboration with product, engineering, and risk teams ensured the solution met enterprise governance, usability, and scalability requirements.

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Research & Planning

Design & Prototyping

Development & Implementation

Testing & Optimization

I conducted stakeholder interviews with finance, risk, and operations teams to understand spend management, approval workflows, and compliance needs. Analyzed existing systems, pain points, and enterprise constraints to identify gaps in visibility and control. Defined user personas, key journeys, and success metrics to guide information architecture and design decisions.

Translated research insights into a clear information architecture and intuitive task flows aligned with enterprise workflows. Created low- to high-fidelity wireframes and interactive prototypes to validate usability, controls, and approval scenarios. Leveraged a scalable design system to ensure consistency, accessibility, and readiness for enterprise-scale implementation.

Collaborated closely with engineering to translate designs into scalable, production-ready interfaces aligned with enterprise standards. Provided detailed design specifications, interaction guidelines, and design system assets to support efficient development. Conducted design reviews and QA to ensure functional accuracy, usability, and consistency across modules.

Conducted usability testing with finance and operations users to validate key workflows, approvals, and controls. Analyzed feedback and task success metrics to identify friction points and refine interactions. Iteratively optimized layouts, data visibility, and system feedback to improve efficiency, clarity, and user confidence.

Solutions

Delivered a centralized enterprise platform for corporate card governance, enabling real-time spend visibility, card-level controls, and transaction approvals. The solution improved compliance, reduced operational risk, and streamlined finance workflows at scale.

Centralized Corporate Card Governance

Real-Time Spend Visibility & Insights

Card-Level Controls & Spend Limits

Streamlined Transaction Approval Workflows

Employee-Based Accountability & Oversight

Implemented a unified platform to issue, manage, and control corporate cards across departments. This centralized approach replaced fragmented tools, giving finance teams consistent oversight and stronger governance at scale.

Provided live dashboards and spend indicators that surface total spend, trends, and exceptions in real time. This enabled finance and risk teams to identify anomalies early and make informed decisions quickly.

Enabled configurable spend limits, status controls, and card-level actions such as freeze or review. These controls allowed organizations to balance operational flexibility with strong risk management.

Designed intuitive approval and review workflows with clear transaction statuses and audit trails. This reduced approval delays, manual follow-ups, and improved compliance across high-volume transactions.

Introduced employee-centric views linking cards, spend activity, and departments. This improved accountability, simplified monitoring, and helped managers track usage and compliance at an individual level.

Prototype:

Click here

Results

The platform improved real-time spend visibility and significantly streamlined card management and approval workflows for finance teams. Centralized controls and audit-ready processes reduced operational risk, improved compliance confidence, and increased efficiency in managing high-volume enterprise transactions, leading to stronger adoption and smoother day-to-day financial operations.

Improved Spend Visibility & Financial Control

Faster Transaction Approvals & Reduced Manual Effort

Stronger Governance, Compliance & Audit Readiness

Increased User Adoption & Operational Efficiency

Centralized dashboards and real-time spend indicators gave finance teams immediate visibility into corporate spending across cards, employees, and departments. Exceptions and overspend risks could be identified early rather than during month-end reviews.


Impact:

  • ⬇ Time to assess spend health by ~35–45%

  • ⬆ Proactive issue detection before approval or settlement

Streamlined approval workflows with clear statuses, filters, and inline actions significantly reduced dependency on emails and spreadsheets. Finance managers were able to review and act on transactions more efficiently.


Impact:

  • ⬇ Approval turnaround time by ~30–40%

  • ⬇ Manual follow-ups and rework by ~25%

Card-level controls, employee accountability, and transaction-level audit trails ensured consistent governance across departments. The system made approvals, actions, and spend history easily traceable for audits and reviews.


Impact:

  • ⬆ Compliance confidence and audit preparedness

  • ⬇ Risk of policy breaches and untracked spend incidents

Clear information architecture, predictable interactions, and role-based views reduced cognitive load for daily users. Finance and operations teams were able to adopt the platform with minimal training.


Impact:

  • ⬇ User onboarding and training effort by ~20–30%

  • ⬆ Adoption and daily usage across finance and ops teams

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