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Divvy · Onboarding

A simpler business card application.

Applicants were leaving Divvy’s card application before submitting it. I redesigned the desktop and mobile flow with clearer steps, visible progress, and guidance to help people understand what to do next.

Role
Lead Product Designer
Focus
Responsive onboarding
Signal
A faster path to conversion
Timeline
4 months

Key ConstraintI could not change the card approval process or the legal requirements. The flow had to work inside those constraints.

01 · My role

Lead Product Designer – Divvy Onboarding

  • Led discovery, design, and implementation over 4 months
  • Collaborated with product, engineering, and customer success
  • Conducted user research and usability testing
  • Created design system components for future reuse

Business context

A critical growth blocker

Divvy's growth team flagged onboarding as the biggest conversion bottleneck. With 10,000+ monthly signups, small gains here moved the number.

Customer success was full of confused users. NPS pointed at onboarding. The executive team made it a Q1 priority.

02 · The problem

Users dropped off halfway. I found out why.

Mobile before: cluttered form with multiple fields
Desktop before: lengthy form with poor information hierarchy

Step 1 of 12 - Before: Overwhelming form fields, mobile not optimized. After: Clearer flow, better layout, and reduced support tickets.

01

Onboarding took ~7 minutes longer than competitors

47% drop-off rate

02

Major user confusion at step 3 of 5

73% support tickets

03

Users couldn't assess card fit

$2.4M potential ARR lost

03 · Research insights

What the data revealed

01

7 min

longer than competitors. Hotjar recordings showed users pausing, scrolling back

02

47%

drop-off at step 3. Card selection caused the most confusion

03

73%

support tickets about onboarding. "I'm not sure if this is right for me"

04 · Design principles

What had to stay true

01

Clarify the Steps

Make progress clear and expectations obvious at every moment

02

Let Users Choose Their Path

Provide options without overwhelming. Guide, don't dictate

03

Design for Mobile First

Optimize for the smallest screen, enhance for larger ones

05 · New experience

Fewer screens. Clearer next step.

Welcome to Divvy application screen

Step 1

Welcome

Simple email entry with clear next steps

Start spending smarter screen

Step 2

Business Info

Helpful tips guide users through the process

Divvy may not be a good fit screen

Step 3

Transparent Results

Clear messaging with alternative options

New experience

A shorter flow with progress you can see

06 · Impact

22% more people finished

01

3x higher completion rate

From 53% to 89%

02

40% fewer support tickets

Customer success team relief

03

85% user satisfaction score

Up from 62%

04

$2.4M additional ARR

From improved conversion

07 · Reflection

Onboarding is where trust is built or broken.

I was not chasing fewer clicks. I wanted people to feel sure at the moment they apply. Every change came from real friction, got tested, and had to flex for later card types.

Onboarding is where trust is built or broken. I treated it as the product, not a form to get through. Completion went up, and the patterns later showed up in other signup flows.

Final desktop welcome screen

Framework Impact

The design system and patterns from this project were adopted across 3 additional signup flows, creating consistency and reducing future design debt.

Beta user feedback

This is the first time I actually wanted to finish applying.