My ideas to improve the setup of American Express auto-pay setup feature.

1. Auto-Pay Setup
Improvement
Suggestion
By: Ruthy Lichtenstein

2. CurrentPage

3. Problem1
● Lengthy explanation
● Hard to understand
● No indication of recommended option,
since the default selection is also the first one.

4. Problem2
● No indication of actual date
● Users need to manually check their statement closing date
and calculate the days

5. Solution1
✓ Easy reading
✓ Easy to understand all terms
✓ Indicating outcome and relating to the user’s story
Last month’s
statement balance
Payments,
disputes, refunds /
adjustments
(If added after closing date)
Best if you want
to avoid APR fees
Keep it as
a help-tip!

6. Solution1
Best if you want to
pay the full balance
Last month’s
statement minimum
payment amount
($35 / 1% of your balance
+ fees and interest, if any)
Enter a dollar sum to
be paid every month,
regardless of the
statement or balance
Pay a specific
amount every month
APR fees may apply
Total balance on
payment date
(including charges that are
scheduled for future payment)
Pay the min, keep
your account current
APR fees may apply

7. Solution2
✓ Date view
✓ Indication of user’s personal information on setup page
✓ Calculate “days from statement” on the backend
1 2 3 4 5 6 7
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Statement date Payment date
Selected
Date

8. ReviewPage
Details should
be indicated
here as well

9. FinalSetupView
Last month’s
statement balance
Payments,
disputes, refunds /
adjustments
(If added after closing date)
Best if you want
to avoid APR fees