Payments | Android & iOS
Increasing International Multi-
Country Cards Users
Our Core Questions to solve
Problem Categorization
How might we help users understand the true value of using their card abroad?
How might we help international users make smarter payment decisions?
Improving financial clarity across international payment journeys
What are the expectations?
Learnings & Growth
Idea we have
Idea we have
Users frequently use their bank cards for international transactions without fully understanding the financial impact. Limited visibility into exchange rates, conversion fees, and card benefits makes it difficult to know the true cost of spending abroad and make informed financial decisions.
How might we help customers confidently use their Arab Bank cards internationally by making travel-related financial information transparent, understandable, and actionable?
While most banking apps focus on enabling payments, few help users understand:
Visa Shabab
N. KHALIL
•• 8810
•• 8810
World Elite
Available balance
10,000.694
JOD
N. KHALIL
When making purchases in another country, most users only see the final converted amount after the transaction is completed. They often don’t know which exchange rate was used, how much was charged as a conversion fee, or what the purchase actually costs in their home currency. This lack of visibility can lead to confusion, unexpected charges, and poor spending decisions.
Users can view live exchange rates, estimated transaction values, and conversion fees before completing a purchase, helping them understand the total cost upfront and avoid unexpected charges.
Users are shown travel benefits that match their destination, making it easier to find and use perks such as lounge access, insurance coverage, dining offers, and hotel discounts.
Users valued clarity and transparency more than adding extra features.
Clear visibility into costs, fees, and outcomes improved user confidence and decision-making.
Contextual information helped users access the right insights at the right moment.
Strengthened my ability to simplify complex financial processes into intuitive user experiences.
5M+
Users
80%
Credit Card Holders
40%
International Visitors
15%
International Card
Holders
The actual cost after currency conversion
Increase Benefit Awareness
Help users easily discover travel benefits available on their card, reducing missed opportunities and improving overall card value.
Exchange Rate & Cost Transparency
Introduced real-time exchange rates, conversion previews, and fee breakdowns to help users understand the true cost of international transactions before payment.
Show Benefits at the Right Time
Surface relevant perks based on destination and travel context, ensuring users see benefits when they need them most.
Contextual Decision Support
Surfaced relevant card benefits, travel perks, and rewards during payments, while enabling payment comparisons to help users choose the most valuable option.
Maximize Card
Value
Encourage users to utilize available benefits, helping them save money, enhance travel experiences, and greater value.
Spending Insights & Optimization
Introduced spending insights, transaction categorization, and expense summaries to help users track spending patterns and make better financial decisions over time.
Whether using their card is the most beneficial option & Available international card benefits
Potential savings compared to cash exchange services
How might we make hidden card benefits visible when users need them most?
Idea we have
Many users are unaware of the travel benefits available with their cards and often discover them by chance or not at all. As a result, valuable perks such as lounge access, travel insurance, dining offers, and hotel discounts remain unused, reducing the overall value users receive from their card.
Users are shown travel benefits that match their destination, making it easier to find and use perks such as lounge access, insurance coverage, dining offers, and hotel discounts.
Users Don’t Understand
Currency Conversion
Card Benefits Are
Invisible
Financial Anxiety Increases During Travel
How much am I actually paying?
What exchange rate was applied?
Am I getting a fair conversion?
International spending rewards
Travel-related card benefits
Foreign transaction advantages
Airport lounge access
Cashback opportunities
Spending in unfamiliar currencies
Managing travel budgets
Making frequent transactions
User Benefits Cards directly users exactly how to use the benfits through their card
It has 2 states which is Active and Disable Active for Unused benefit and Disable for Used one
Came with the approach of “Smart Payment Decisions“ where the user can check where the card benefits applicable and will aware of the good deals suggestions
By clicking “ Apply Advice” that benefit will active for you. because this will not be applicable for all users
and once active even if you didn’t use that offer considered as you used your card benefit
Entry point for the “Smart Payment Decisions” right under the payment so that user can choose and proceed at earliest
Dashboard card will keep the user
updated on benefits
will show No of benefits Available
User can see the all their benefits in
one page (Entry point)
Each user will get potential
value on cards per year
In old UI, user can see the amount of own currency while confirm.
By updating this,
Placed converter right down to Amount field.
User can aware of amount in own currency
Censu Tokyo
Increase Cost Transparency
Surface Relevant
Benefits
Support Smarter
Decisions
Introduced real-time exchange rates, conversion previews, and fee visibility to clarify international transaction costs.
Displayed card benefits, travel perks, and rewards at relevant moments to maximize user value.
Enabled payment comparisons and spending insights to help users manage international expenses confidently.