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With the advent of digital wallets, banks and other card issuers are falling behind in ensuring their services can be offered on those platforms. Security concerns mean that issuers need to take precautions in authorizing a customer's card on a digital wallet platform. With many permutations for card and identity verification, issuers need a standardized set of workflows to implement an intuitive provisioning process


Visa wanted to create a standardized approach to card verification by a handful of methods. The Visa Risk Products team came to Kunai to create each of these experiences including processes as simple as verification by phone and as complex as verification by one time passcode via account debits. The Kunai team built these experiences for mobile devices and conducted extensive user studies to validate the workflows created. The project eventually became the standard issuers have adopted.