Ivella Registration

Overhauled Ivella’s registration flow to promote several behaviors to improve activation while also adding support for premium subscriptions, resulting in 70% of users converting post-trial and keeping 97% of subscribers for longer than 30 days.

Role

Role

Product Design, Design Research

Ivella Registration

Context

What's Ivella?

There’s a general path of financial steps to take as you get older - build your 401k, start an emergency fund, save up for a house by your early 30s, plan your child’s college fund, and so on. What’s the equivalent for couples? Once two individuals begin dating, the typically journey involves moving in together, getting engaged, then married, and maybe even kids. Outside of marriage or large financial milestones (i.e buying a house, having kids), there are few points at which financial backgrounds and beliefs are discussed.


Ivella’s mission was to provide this guidance through an ecosystem of financial products - Split Accounts, Joint Accounts, Personal Accounts, Family Accounts, and eventually joint credit and brokerage products.

There’s a general path of financial steps to take as you get older - build your 401k, start an emergency fund, save up for a house by your early 30s, plan your child’s college fund, and so on. What’s the equivalent for couples? Once two individuals begin dating, the typically journey involves moving in together, getting engaged, then married, and maybe even kids. Outside of marriage or large financial milestones (i.e buying a house, having kids), there are few points at which financial backgrounds and beliefs are discussed.


Ivella’s mission was to provide this guidance through an ecosystem of financial products - Split Accounts, Joint Accounts, Personal Accounts, Family Accounts, and eventually joint credit and brokerage products.

Problem

Problem

Switching to a Paid Product

Switching to a Paid Product

In August 2023, Ivella made the transition from a freemium to a fully paid product for a few reasons:

01

We were preparing to release our third product, Personal Accounts, and needed a new registration flow that did a better job of addressing the nuances of our various products.

02

Transaction interchange fees were our single source of revenue and we needed more sources to help recoup costs before we released Points & Rewards.

03

Having a paid version decreased our CAC payback period & allowed us to create a flywheel for customer acquisition and paid growth

Improvements

Improvements

Redesigning Registration

Redesigning Registration

Questionnaire

Some couples would create a Split Account only to switch to a Joint Account and v.v shortly after being approved, meaning 1) uncertainty was preventing activation and 2) we were losing money on costs like reissuing debit cards. The questionnaire recommended the best Ivella product while helping us learn about our couples. Questions focused on relationship & financial habits but could later include family planning, wealth management, etc. as Ivella’s grew.

Improvements

  • Emojis were added to the different options to increase visual differentiation and scannability.

  • Redesigned product cards to better highlight the main differences between each product.

Invite Partner

As an integral part of registration, making this experience more playful allowed us to emphasize the couple-y aspect of Ivella while also giving couples a fun break from the more demanding parts of registration.

Improvements

  • If one partner has already finished signing up for Ivella, they had two options — send their partner a customized text message to start / resume their application or if they’re nearby, scan a QR code to quickly download Ivella.

  • Added more social proof along with the ability to customize the invitation with a profile picture, nickname, or monogram for your partner to see when they opened Ivella.

Ivella+

While joining Ivella+ was a prerequisite to using Ivella, couples would sign up for our subscription only to cancel as soon as they were approved. We added a survey to the cancellation flow and found:

  • 52% feared being accidentally charged after the trial

  • 27% didn’t think Ivella+ provided enough value

  • 21% thought Ivella+ was too expensive

Improvements

  • Having a carousel of images allowed people to quickly skip through, missing out on features they might find valuable. We added demos so people could experience Ivella’s features beforehand.

  • Redesigned our trial screen to include a breakdown of how it worked, more informative & reassuring copy, better information hierarchy, new icons, and improvements to how we used color.

Transparency

On high-friction sections of our registration that asked for personal identifiable information (PII), we wanted to build trust and a sense of security in several ways — 1) explaining why we’re asking for the information, 2) highlighting the value of providing the information, and 3) assuring the user that their information is safe with Ivella.

Improvements

  • Added “Trust Modals” on screens asking for sensitive personal (i.e SSN, bank accounts) to let couples know how we’ll use the information.

  • Small details unique like redacting text fields along with a security disclosure right above it all to reflect we value someone’s privacy just as much as they do.