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Digital Banking & Fintech Integration
Co-branded card with Ukraine's largest food retailer
ATB-Market · 1,300 stores
A digital co-branded card with cashback up to 45% and Apple Pay / Google Pay - supported from inception to launch.
- Role
- Business Analyst / Product Owner
- Domain
- Co-branded card · B2B partnership
- Team
- Partner (ATB-Market), product, payments, IT
- Tools
- Jira, Confluence, Figma (handoff)
Context
A fintech partnership with Ukraine's largest food retailer (1,300 stores) to drive customer acquisition at scale, via a digital card with strong cashback and mobile-wallet support.
My contribution
- Supported the product lifecycle from inception to launch - a digital card with cashback up to 45% and Apple Pay & Google Pay integration.
- Wrote user stories for card issuance and wallet integration and defined the activation / retention funnel.
Approach
- 1Discovery — partnership and product framing.
- 2Requirements — issuance and wallet-integration user stories.
- 3Delivery — go-to-market support.
- 4Validation — activation / retention funnel.
Artifacts
The business-analysis evidence behind the work.
Results & metrics
140,000+
cards issued
80%
repeat active cardholders
≤45%
cashback · Apple/Google Pay
Business value
A high-volume acquisition product with strong repeat engagement — 140,000+ cards with 80% becoming repeat active customers.
What I’d do next / learnings
Designing for activation up front (wallet setup, first reward) is what converted issued cards into active ones.