Chexy Activation

Our activation rate dropped as acquisition spend scaled. To fix this, we rebuilt the core payment and discoverability flows, which increased average subscriptions per user from 1.6 to 2.4 and lifted 7-day activation by 3%.

Team
Role
Christine Ung
Product Designer
Polly Yang
Product Designer
Allison Tse
Product Manager
Emily Goose
Full-stack Engineer
Dela Bahmani
Full-stack Engineer

The checkout experience felt frankensteined. Users were bouncing between KYC, partnership promos, and we were conditioning them to care too much about the fee upfront.

Onboarding prototype

Time to first AHA moment

The success screen felt anti-climactic. We needed to address the immediate user anxiety: Is my bill actually going to be paid on time? By highlighting the exact rewards earned and adding a branded Chexy piggy-bank animation, we replaced a basic confirmation screen with a definitive sense of completion.

Payment flow
Success animation

What about dropoff?

We saw an 11% drop-off at KYC because we asked for high-friction info too late in the flow. We moved KYC to the beginning and stepped it out to feel much lighter, allowing 60% of users to pass the stage with no further action. For those who did drop off, we improved the first-time experience with a guided set-up list and a visual carousel of popular recipients to make their next steps completely frictionless.

First-time drop-off

Bill upload

Manual custom payee setup is a major point of friction. Introducing bill uploading and email forwarding drove a 21% activation rate, outperforming the 14–18% baseline. 86% of users understood the instructions, with the highest adoption in high-friction categories like professional services (23%).

Bill upload

From 1.6 payment to 2.4

To improve discoverability, we built a full-page search experience. This drove a 45-50% same-day activation spike during tax season, which directly correlated with users immediately setting up a second utility payment.

Search