works

Amazon Insurance Store

Fixing a 95% Abandonment Rate

Client

Amazon

Overview

Amazon wanted to build a financial product that people actually needed. Something different from what banks and finance apps already offer.

Most financial tools don't help with real problems. People struggle to manage spending, save money, and invest. The market is crowded with apps that make things more confusing, not less. People feel stressed and stuck.

I led the research and design for a new approach. I studied the market, analysed competitors, and validated ideas directly with customers. The goal was to build something that fit into people's lives and actually helped them manage money better.

The pitch was simple: Amazon could give people personalised financial guidance that actually connects to their real spending. Not generic advice. Not another budgeting app they'll ignore.Something integrated into how they already shop and live.The work showed how Amazon could help people feel more in control of their money without making things complicated.

Overview

Cari AI is an AI transcription tool built for healthcare clinicians. It converts patient consultations into clinical notes.

After launching at Carebit, things went wrong. Clinicians stopped using it. The interface was confusing. People couldn't figure out how to use it properly. The tool felt unreliable, even if it wasn't breaking things.

When clinicians don't understand how a tool works, they don't trust it. And in healthcare, trust matters. If you're not confident in what the AI is doing, you won't use it.

This case study covers how I redesigned Cari AI from the ground up. I had to simplify the experience, make it intuitive, and prove to clinicians that it actually worked.

The result: Over 1,500 clinicians now use it across nearly 1,000 organisations. It's taken a significant admin burden off their plates. Hours of note-taking that used to eat into their day are now automated. That time goes back where it belongs, with patients.

Overview

Lloyds Banking Group had to meet new security rules. They needed an authentication pattern that would work across everything, login, payments, and online shopping.

The challenge was designing something that could scale. One pattern, multiple uses.But it had to be simple enough for everyone to use. That meant customers with low digital confidence, non-native English speakers, and people who'd never done this before.

I ran multiple rounds of user testing. I watched where people got stuck. Identified which instructions caused confusion. Then they redesigned those parts. Each iteration fixed specific problems the team observed. Tested again, found new issues, and refined further. This cycle continued until the pattern worked for their most vulnerable users, not just the easiest one.

The results: 59% of customers used app-based authentication. 99% success rate across 31 million authentications.This case study shows how I designed it.

Overview

Pizza Hut UK had problems. Customers weren't coming back as often. Competition from delivery apps was tough. And their loyalty program was old and boring, people didn't use it.

They also wanted to expand globally. But first, they needed to fix the experience at home and build something that could work in other markets.

I was the Lead Product Designer on this project. I led the research to understand what wasn't working. I also mentored a junior designer through the process.

I redesigned the loyalty program to make it more personal and easier to use across different channels.

Three months after launch in the UK:

Customer retention went up 25%
Average order value increased 15%
Loyalty program engagement improved 12%

The results gave Pizza Hut a working model they could take to other countries.

Overview

Amazon wanted to sell insurance online. The idea wassimple: let people shop for home insurance the same way they buy everything else on Amazon. But we had a problem. 95% of people who landed on the page left immediately. 

I figured out why they were leaving. The landing page had three confusing buttons with insurance jargon. People didn't know which one to click, so they just gave up. I simplified it down to one clear button, moved the insurance type selection to a separate page, and used pictures to explain the options. After two weeks of testing, we increased conversions by 7%.

The challenge

The numbers were bad. Really bad.

  • 95%of people left the landing page without doing anything.
  • People didn't know Amazon sold insurance so we were missing chances to even talk to them.
  • The ones who knew still didn't click because something was stopping them.
  • The buttons used insurance terms like 'buildings and contents' that confused people.
  • Three buttons were too many choices, and people froze up.

 

The question: How do we get people past that first page?

Responsibilities

  • Analysed data to find where people dropped off.
  • Created hypotheses about why the page wasn't working.
  • Studied how competitors designed their insurance flows.
  • Worked with product managers and developers on what was possible.
  • Redesigned the landing page and selection flow.
  • Made illustrations to explain insurance types.
  • Ran A/B tests for two weeks to measure results.

Role

Lead Product Designer

Timeline

2 months (Reserach to Delivery)

01. Discover - Understanding the Problem

What I Thought Was Wrong

I had two guesses about why people were leaving:

  • The button labels made no sense. When you see 'Shop buildings and contents insurance' or 'Shop buildings insurance', what does that even mean? Most people don't use those terms. They want to know if it covers their stuff or their house. The confusing words made them leave.
  • Too many choices. Three buttons that all looked the same. People didn't know which one to pick. When you can't decide, you just leave.

What Competitors Were Doing

I looked at the top 5 insurance comparison sites. They all did one thing the same: they asked eligibility questions at the end, not the beginning. That made sense. Don't kick people out before they're invested.

 

Talking to the Team

When I asked the product managers why we had three buttons, they explained the problem. Each type of insurance needed different questions. Buildings insurance asks different things than contents insurance.The system couldn't handle one entry point. That's why we had three.

This was frustrating but useful. I couldn't change how the system worked. But I could work around it.

The original design

iPhone 14 Pro old AIS

Amazon.co.uk checkout page showing Lloyds Bank Visa payment approval prompt for £1,400.49 with options to continue with app or cancel.
Customer Journey Map

Key Findings

Through this research, four critical issues emerged that were preventing adoption and eroding trust in the product:

  • Black digits forming the number 01 on a white background.

    Poor UX
    The interface was confusing. People couldn't figure out how to use it.

  • Privacy Concerns
    Privacy wasn't clear. Doctors didn't know where audio was stored or who could access it.

  • White number 03 on a black background.

    Cognitive Overload
    Too much information at once. Dense screens made more work, not less.

  • White number 04 with a slight shadow on a transparent background.

    Technical Instability
    Technical problems. Microphone issues caused blank recordings

Key Research Findings

By the end of the research phase, I had amassed a rich dataset providing a comprehensive understanding of our customers, the competitive landscape, and key considerations for global scalability. The research revealed six critical pain points that would inform our solution design:

Problem Statement:
How might we redesign PizzaHut's customer and loyalty experience to increase retention and engagement while creating a personalised, scalable solution that can be adapted for global markets?

  • Black digits forming the number 01 on a white background.

    The complexity barrier - The loyalty program was too confusing. People gave up trying to understand it.

  • Delayed gratification problem - Rewards took too long to earn. By the time you got anything, you'd forgotten about it.

  • White number 03 on a black background.

    Generic experience frustration Nobody got personalized recommendations. Everyone saw the same menu.

  • White number 04 with a slight shadow on a transparent background.

    Channel inconsistency - The experience was different on web, mobile, and in-store. It felt disconnected.

  • Discovery challenges - Hard to find new menu items. People stuck with what they knew.

  • Competitive threats - Competitors were doing better. Delivery apps had cleaner interfaces and faster rewards.

iPhone home screen showing app icons including FaceTime, Calendar, Photos, Camera, and a Lloyds Bank notification asking to verify identity for security.
Mobile screen showing an app sign interface to approve a payment of £1,400.49 to Amazon Marketplace with options to Approve, Cancel, or indicate not recognizing the payment.
Mobile screen showing a confirmation message with a green checkmark and text stating approval successful, with a button labeled Log on to mobile banking.

02. Define - Reframing the Problem

The Real Issues

Here's what the research told me:

 

My first guess was right. The confusing buttons were the main problem. I focused on fixing that first.

 The Plan

I needed to:

03. Develop - The Solution

New Landing Page

I changed the landing page to have:

 This worked within the system's limits. I didn't need to rebuild the backend.

 

iPhone 14 Pro_AIS

Better Selection Page

On the insurance type selection page, I:

 

•       Created illustrations. Showed a house, a couch, or both. Visual beats text.

•       Cut the words down. Removed jargon. Made it plain English.

•       Made the differences obvious. Buildings insurance, contents insurance, or both.That's it.

 

The pictures did most of the work. People got it without reading paragraphs.

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2. Holistic Financial Management Tool

Once inside, customers got a complete tool that worked with their existing apps and spreadsheets:

  • Immediate insights into spending patterns.
  • Competitive savings options.
  • Smart automation for tracking.
  • Financial literacy content when relevant.
  • Export to spreadsheet for people who want manual control.

04. Delivery

How We Tested

I needed proof it worked. So I ran an A/B test for two weeks. Half the people saw the old page. Half saw the new one. We tracked who converted.

The test was simple: did more people move past the landing page and pick an insurance type? Did the changes help or hurt?

What Happened

The new design worked. Conversions went up 7%.

Impact and Results

The redesigned customer and loyalty experience deliveredsignificant measurable improvements within three months of UK launch:

+25%
Customer Retention
+15%
Average Order Value
+12%
Loyalty Engagement
+10%
Customer Satisfaction
31.4M
Total Authentications
(July 2021 to January 2022)
99%
Success Rate
(Grew from 94% in 6 months)
59%
App Sign Adoption
(Grew from 49% in 6 months)
7.1M
MoM Usage Growth
(Grew from 2.2M in 6 months)

Impact and Results

The redesign delivered measurable improvements across all key metrics:

Reflection & Key Learnings

The design proved security and usability can work together when you build trust into every detail. By focusing on clarity, accessibility, and iteration, we turned a regulatory requirement into something that actually worked for millions of customers.

What I Learned:
-
Visual guidance cuts mental effort.
- Custom animations were essential for cross-device flows.
- Copy is design. Working with copywriters improved understanding dramatically.
- Start small, then scale. Testing with a subset first let us iterate quickly.
- Give people options. Multiple verification methods built trust and worked for different needs.
- Design for problems. Despite push notification delays, clear visuals and text kept it working.
- Track everything. Good analytics specs gave us data to keep improving.

1586
Active Users
(From 173)
935
Organisations
57%
Adoption
Growth
45%
Reduction in support
Tickets

Impact and Results

The project delivered comprehensive proof-of-concept prototypes and strategic recommendations for Amazon's board:

Deliverable

Result

Product Vision
Comprehensive product concept validated through customer testing
Proof of Concept
High-fidelity interactive prototypes demonstrating key features and workflows
Customer Validation
Validated concept with target customers, capturing positive feedback on value proposition
Board Presentation
Complete business case with 30-second vision video presented to Amazon's board
Strategic Framework
7 product tenets and implementation recommendations for future development

Reflection & Key Learnings

The redesign worked. But more important, it showed that you can rebuild customer loyalty if you make things simple and personal.

Key things:
•       Simple wins. The new loyalty program was way easier to understand. More people used it.
•       Rewards need to come fast. Small rewards often beat big rewards later.
•       Personalization increases order value. People bought more when we suggested things they'd like.
•       400 survey responses gave us confidence. Good data helped convince stakeholders.
•       Mentoring multiplies impact. Teaching the junior designer made both of us better.
•       Launch what matters first. We cut features to hit the deadline. That was the right call.
•       Connect everything. Web, mobile, in-store. If it's not consistent, people notice.
•       Think global from the start. Built the system so it could work in other countries later.

Reflection & Key Learnings

Reflection & Key Learnings

Amazon's board decided not to move forward with Amazon Money. This happens in large companies. It's part of the job.The experience taught me that creating something isn't enough. You have to champion it through layers of evaluation. Product designers bridge the gap between innovation and business reality.

What I Learned:
- Test with customers early and often. It strengthens your case.
- Build on what already exists. The best opportunities fit into familiar places.
- Give people insights, not just data. That's what keeps them coming back.
- Automate the boring stuff, but let power users take control when they want.
- In financial products, be clear about data and security. Always.
- You need to advocate for your work. Decision-makers don't always see what you see.
- Each setback teaches you something. It gets easier to navigate these situations.

The redesign showed that trust and usability can't be separated in healthcare AI. You need both. By rebuilding from scratch and focusing on clarity and transparency, we turned a failing product into something doctors actually use.

Key things:
•       When users are busy, find other ways to research - Support staff were helpful when doctors didn't have time.
•       Trust needs to be designed in - Privacy messages, progress indicators, and review systems all mattered.
•       Simple beats feature-rich - The three-step workflow was easier to understand than the old version.
•       Start small - Rolling out to power users first let us fix problems early.
•       Track everything - Analytics gave us visibility we never had before.

Impact and Results

Metric

Result

Conversion Rate
Up 7% from the old design
What We Proved
Clear buttons and fewer choices help people take action
User Behaviour
Fewer people abandoned the landing page
Test Duration
Two weeks gave us solid data
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What I Learned

A 7% increase is good. But we still have work to do. The page is better, but it's not fixed.

 

There's still another problem to solve: do people even want insurance from Amazon? That's a bigger question. It'll take more than design changes. It needs the company to decide if they're serious about insurance.

 

What stuck with me: