A fully digital co-branded card - built end-to-end, ready to launch

The goal was a co-branded card with a fully digital customer journey — including remote account opening inside the partner's app via BankID — coordinated across two organizations with split responsibilities and a real-time integration.

• Contributed to the business case and feasibility study (FEO), a 3-scenario financial model (pessimistic / base / optimistic) and the delivery roadmap.
• Defined the architecture split — EasyPay owned the app and UX; Ukrgasbank owned account opening, cards and current accounts, balances, processing, compliance and credit — connected by a real-time API data exchange.
• Specified API integration, security and regulatory requirements to completion across business, IT, compliance and the partner.

1. 1Discovery — business case, FEO and a 3-scenario financial model.
2. 2Requirements — responsibility split, real-time API contract and the BankID remote-onboarding flow.
3. 3Delivery — security and regulatory requirements driven to completion.
4. 4Outcome — product fully built; foundation for later Diia Sharing onboarding.

Even with the launch paused in 2022 for market reasons, the work delivered a proven remote BankID onboarding model and a real-time partner API architecture — the technical foundation that later fed Ukrgasbank's own remote verification via Diia Sharing.

A paused launch isn't a failed build: bringing the product to full readiness and documenting the API split made the later in-house onboarding faster.