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Redesigning
Cashback in Privat24

I redesigned offer activation and proposed a tier system to help users earn their first cashback and return for the next reward.

Product
Banking
Cashback & loyalty
Platform
iOS/Android/Web
Scope
Research synthesis
Problem framing
UX strategy
Interaction design
Loyalty mechanics
Prototype validation
Runtime
14 weeks
Role
Senior product designer
Team
Product manager
Product owner
Business analyst
User research team
Status
Prototype validated

Pryvit is Privat24’s cashback program

I analyzed 1.2 million sessions over eight weeks, 420 support tickets, and eight interviews.

24%

of offer-detail views ended in activation.

62%

of activated offers did not result in cashback.

17%

of users returned within 30 days.

Make the path to first cashback clear, then create a reason to return

Cashback terms and partner offers had to remain visible throughout the experience.

An explicit action made the next step clear

In the old interface, only two of six participants understood that “+” activated an offer.

I replaced it with an explicit “Activate offer” action. The offer details then showed the cashback rate, eligible payment cards, and the full sequence: activate the offer, pay with a card, receive cashback.

Users could understand what to do after activation before making a purchase.

The first payout unlocks a benefit; a monthly boost creates a reason to return

My hypothesis was that the first payout would prove the program’s value, while recurring benefits would encourage repeat use.

Each state focuses on one next action: earn and withdraw the first cashback, claim the unlocked benefit, or return to activate the monthly Crown Boost.

Crown becomes available after 30-Day Cashback Period.
At Crown, users can activate 2× cashback once per month.

In testing, all eight participants activated the required offer

Eight participants tested the key scenarios in an interactive prototype.

8 of 8

Activated the required offer without assistance.

7 of 8

Found the cashback amount and key terms within ten seconds.

7 of 8

Correctly explained how progress unlocks the next tier.

Post-launch success targets

+20%

Offer activation

+40%

Activated-offer usage

+10%

30-day return