From payment rail to digital gifting platform
Identified a gap in the company's product suite, defined the vision, and shipped a digital gifting platform to enterprise banking and retail clients.
background.
The company had a strong B2B payment network and an established base of enterprise partners. As corporate gifting demand grew among these partners — employee benefits, customer care programs — it became clear the company had no native product to serve it. The infrastructure was already there. The product wasn't.
Problem.
Running a gifting campaign meant manual tracking, no budget visibility, and zero reconciliation. Recipients didn't always get what they wanted. And the company — with a payment network spanning thousands of retail points — had nothing to offer them.
Goal.
Build a universal digital voucher platform on top of the existing payment infrastructure — giving B2B clients a flexible gifting tool and creating a new revenue stream without rebuilding the network from scratch.
Contribution.
- Product vision & roadmap
- B2B go-to-market strategy
- Sales proposal & pitch deck preparation
- Partner training & onboarding materials
- Marketing collateral
the decisions.
Before writing a single spec, the team spent time talking to enterprise clients. The surface problem was clear: fixed vouchers with low redemption. But underneath was a bigger issue — no visibility into spend, no reconciliation, and a manual process for every campaign. The real opportunity was solving both.
Recipients need to access and redeem their vouchers. Should we build a native mobile app for a polished experience, or go web-based for flexibility and ease of access?
Pick the move you would make — you can change your answer.
Vouchers need an expiry date — and as the platform, we set the default policy that enterprise clients follow. A short window drives merchant traffic but creates pressure on recipients. A long window builds goodwill but kills urgency. What should the default be?
Pick the move you would make — you can change your answer.
Details and figures have been generalized.
outcome.
The company's first digital gifting platform launched and grew from zero to 20+ enterprise clients. By solving the operational pain of gifting campaigns — budget tracking, redemption visibility, and reconciliation — the platform created a new revenue stream on top of the company's existing payment network.
Takeaways
Impact.
- 20+ enterprise clients onboarded — banking and retail.
- New revenue stream created on top of existing infrastructure without rebuilding the network.
- Enterprise clients gained full visibility into gifting campaign spend, redemption rates, and reconciliation — replacing a fully manual process.
What I learned.
This was my first experience owning a product end-to-end — from discovery and spec writing to launch and partner onboarding. I learned how to build a pitch deck that speaks to business outcomes, not just features. And doing competitive and market analysis early shaped how we positioned the product against existing solutions — knowing our strengths and weaknesses before clients pointed them out.
Next steps
- 1
Develop dedicated product lines for niche markets — such as employee benefits, loyalty programs, or insurance rewards — each with tailored features and positioning.
- 2
Expand the merchant and brand partner network to increase voucher variety and stay competitive against alternative gifting platforms.