Building on the foundation of Zelle Recent Contacts as the first true iteration of address book functionality in production, we moved quickly to closely align our experience with UI for the Capital One Address Book (as part of the larger Common Flow project, a conceptual re-imagining of Capital One app payments that directly addresses feature discoverability and removes rails for various payment methods).

Similar to native Address Book (Android) and Contacts (iOS) functionality, the Capital One Address Book stores contact and payment information about every payee the customer interacts with, both businesses and individuals. Additionally, each Address Book entry will eventually display full payment history, making repeat or recurring payments easier to send.

Problem Statement

As a Capital One customer, I want to (be able to easily) add Zelle recipients to my Address Book (to make it easier to send them money again).

Additional role(s)

Design Collaborator: Michael Spina
 

Understanding User (Empathize & Design)

Providing a name when manually entering an email address or mobile number is now required per Zelle UI guidelines: “Once the Sender sends the Payment to the [unknown] Recipient, the Recipient should appear in the Sender’s recipient list on the Select Recipient Screen.”

Low Fidelity

With native Address Book functionality serving as a design template, we were able to move quickly through low-fidelity concepts in InDesign Freehand to high-fidelity flows in Sketch.

Ideation

Both Send & Request flows launch the Choose Recipient screen, where Recent Contacts are displayed. (A successfully completed Send or Request flow automatically creates an Address Book entry, badged as Zelle-registered).

The search field doubles as an entry field when a search returns no results. Any name, email, or mobile number that doesn’t return a match in the Address Book prompts the user to create a new entry. The Add Recipient screen pre-populates with the user-entered data (or allows user to import from local phone contacts).

Final Result

Enhancing Recent Zelle Contacts with greater Address Book functionality successfully introduces the customer to this important Common Flow feature.

Learnings and Looking Forward

The Capital One Address Book is in its earliest stages, pioneered by this Zelle feature. Through organically-created Address Book contacts, the foundation is there for more functionality, including transaction history and the ability to repeat a send or request in the same or edited amounts, set up recurring Zelle transactions, and manually edit contact data.

fig. 3.3: Add Recipient (flow details)