AX — Invoice Accelerator
Designed a new early-payment product that created a 3% fee revenue stream across a 14-product fintech platform.
Adoption wasn't about access to capital. It was about removing friction and making value obvious from the first interaction.
3%
fee captured on every accelerated invoice
10%
adoption rate in year one
$4M
new revenue stream launched within existing platform
The Problem
Invoice financing is typically complex to onboard, hard to understand, and disruptive to existing workflows. Finance teams weren't walking away because they didn't need the capital, they were walking away because the cost of figuring it out was too high. The opportunity was real. The UX was killing it.
My Role
- Led UX strategy and end-to-end design
- Partnered across product, engineering, and GTM
- Drove pilot strategy and iterative rollout
What I Did
Reduced 38 requirements to a streamlined onboarding flow
The initial onboarding spec contained 38 pieces of information. I mapped what was legally required versus what was friction, and rebuilt the flow around bank setup and ACH authorization, fast and compliant.
Designed a sign-up flow that felt like onboarding, not a contract
Broke the process into clear, confidence-building steps. Each screen removed a decision barrier, progressive disclosure at every stage so finance teams never felt lost or overcommitted.
Made value visible at the point of eligibility
Designed contextual invitations, subtle and direct, that surfaced Invoice Accelerator at the moment a user had an eligible invoice. Value was obvious before they had to ask what it was.
Built a dedicated workspace for accelerator-eligible invoices
Separated IA-eligible invoices from the standard queue and introduced batch selection up to credit limit, so users could act with confidence and at scale without disrupting their existing workflow.
The Pivot
Early designs surfaced accelerated invoices inline within the standard list. In mockups this worked, but in practice, customers were managing pages of small-ticket items, making it nearly impossible to tally what was accelerating. We pivoted to a standalone view with a dedicated running counter, giving users immediate clarity on what mattered.
Outcome
Invoice Accelerator created a net-new revenue stream for AX, a 3% fee on every accelerated invoice, intercepted at payment. Early adoption was strong precisely because the product felt native to workflows finance teams already used. New value, zero disruption.