Prepaid & Gift · Web + Mobile
NSDL Prepaid Portal
The gifting experience that makes a digital wallet feel like unwrapping something real.
Overview
NSDL Payments Bank needed a consumer prepaid and digital gifting product that could compete with physical gift cards - without the plastic, the friction, or the compliance shortcuts. I designed it end-to-end on Falcon's WalletFX stack.
The problem
Prepaid issuance in India is a compliance-first, experience-last category. Gifting was bolted on as an afterthought - no personalisation, no moment, no reason to remember it happened.
Approach
- 01
Collapse the sender flow to its minimum viable path
Pick amount → personalise → pay → share. Four steps, one thread, under 60 seconds.
- 02
Design the receiver moment as the centrepiece
A card-reveal animation on redemption - the digital equivalent of tearing open an envelope. The emotional beat earns the product its word-of-mouth.
- 03
Make KYC invisible until it's unavoidable
The design steps it in only at the threshold that demands it - not at entry. Drop-off at the compliance checkpoint dropped meaningfully.
- 04
Build gifting as a system, not a one-off
Extended Tijori with a new gifting component suite. 60%+ reused across other Falcon prepaid partners.
Highlights
Decisions and tradeoffs
- •Treat the receive moment, not the send funnel, as the actual product.
- •Move KYC to the balance threshold that requires it rather than the entry point.
- •Three personalisation themes instead of six, trading expressive range for completion.
- •Tradeoff: building reusable gifting components under a 52-day deadline, which cost time up front and paid back on every later prepaid partner.
What I got wrong
The first personalisation screen offered six themes, a custom message, sender name and an amount toggle. It stalled people at exactly the point they were meant to feel generous. Cutting it to three themes and one message field lifted completion.
Measurable impact
Business outcomes
- •Launched as NSDL's flagship prepaid gifting product
- •Delivered in 52 days - Falcon's fastest product deployment in FY26
Design outcomes
- •4 steps from intent to gift sent
- •KYC drop-off measurably lower after re-sequencing verification
- •60%+ of gifting components reused across other Falcon prepaid partners
Outcome
Launched as NSDL Payments Bank's flagship prepaid gifting product. Delivered in 52 days end-to-end - Falcon's fastest product deployment on record in FY26. The Tijori gifting components now power multiple prepaid partners across Falcon's platform.
CASE STUDY: NSDL PREPAID PORTAL
Prepaid & Gift · Web + Mobile · 52-Day Delivery
One-line summary
End-to-end prepaid and digital gifting product for NSDL Payments Bank - from sender flow to receiver moment to RBI-compliant KYC - delivered in 52 days.
Problem
India's prepaid card category treats gifting as an afterthought. Most prepaid issuance flows are designed for operations teams, not people. Senders get a transaction confirmation. Receivers get a PIN mailer. There is no moment, no personalisation, no reason to remember it happened.
NSDL Payments Bank wanted a consumer-facing prepaid and gifting product that felt different. The challenge: make digital gifting feel emotionally real - on a regulated wallet infrastructure with mandatory KYC checkpoints.
Business and user goal
For NSDL: Launch a flagship prepaid gifting product that could compete with physical gift cards. For senders: A gift that feels personal and takes under 60 seconds to send. For receivers: A delivery moment that feels like actually receiving something.
My role
I owned the full consumer product: sender flow, receiver experience, KYC sequencing, card reveal animation, admin portal, and the gifting component suite in Tijori.
Constraints
RBI wallet KYC requirements at certain balance thresholds - couldn't remove, could only control timing. Target persona: first-time wallet users. 52-day delivery - Falcon's fastest product launch in FY26. New gifting components had to be reusable across future prepaid partners.
Process
Step 1: Collapse the sender flow. Pick amount → personalise → pay → share. Four steps, one thread. Step 2: Design the receiver moment first. A card-reveal animation - the digital equivalent of tearing open an envelope - as the first thing a receiver sees. Delight before function. Step 3: Place KYC at the threshold, not the entry. Contextual, with a clear explanation of why it's being asked now. Step 4: Build for reuse. Every component went into Tijori as a reusable spec. 60%+ reused across subsequent prepaid partners.
Decisions and tradeoffs
Receiver experience as the product. The send flow is a funnel; the receive moment is the product. Progressive disclosure for KYC. "You'll need to complete a quick verification to receive your full gift" - not "you must verify your identity before proceeding." Single-thread sender flow. The flow adapts in the background; the user always sees one path. Tradeoff: fewer personalisation options than the brief asked for, chosen to protect completion.
What I got wrong
First card personalisation screen had too many options - 6 themes, custom message, sender name, amount toggle. Reduced to 3 themes, one message field, removed the amount toggle. Completion rates went up.
Final solution
4-step sender flow, receiver card-reveal with instant wallet credit, contextual KYC, admin portal for NSDL ops, full gifting component suite in Tijori.
Measurable impact
Business outcomes Launched as NSDL's flagship prepaid gifting product Delivered in 52 days - Falcon's fastest product deployment in FY26
Design outcomes
4 steps from intent to gift sent KYC drop-off measurably lower after moving verification to the balance threshold 60%+ of gifting components reused across other Falcon prepaid partners
What I'd improve next
The post-redemption experience - closing the loop by showing the sender a summary when the gift is redeemed. That sender-to-receiver connection would strengthen the social sharing dynamic significantly.