Alejandro Díaz
Offer BBVA customers who use their debit cards the ability to pay off their purchases
BBVA/ Payments solutions
February 2023 – July 2025
The team
x1 Product designer (me) 👨🏻💻
x1 Product owner 🤖
x4 Technical and backend 🛠
Collaboration across markets: Spain 🇪🇸 and Mexico 🇲🇽
The challenge
In most markets, BBVA customers could split credit card expenses into installments, but not debit transactions. However, a significant percentage of daily spending occurs via debit cards.
The goal was to design a new multi-purchase financing feature that allows users to split one or multiple debit transactions into monthly payments, while adapting the experience to the regulations and technical infrastructure of each country.
Each market (Spain, Mexico, Argentina) had very different operational models:
- In Spain, the product is based on a virtual credit card limit.
- In Mexico, it works through a pre-approved line of credit.
- In Argentina, each financed transaction becomes an individual loan.
The challenge was to create a unified, intuitive experience that could adapt to these models while maintaining visual and functional consistency across all countries.
The process
x1 Product designer (me) 👨🏻💻
x1 Product owner 🤖
x4 Technical and backend 🛠
Collaboration across markets: Spain 🇪🇸 and Mexico 🇲🇽
The solution
I helped design and define the Finance Transactions – Multipurchase Debit flow within BBVA’s Payments Solutions ecosystem, creating a scalable model for financing multiple debit transactions.
Key design elements included:
- Multi-selection flow: users can choose between 1 to 5 eligible debit transactions to finance together.
- Installment simulator: dynamic monthly payment preview with real-time recalculation based on chosen term (3, 6, 9, or 12 months).
- Access points: direct entry from transaction detail, debit card summary, “Financing Dashboard” and contextual “Financing available” labels.
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