THE PROBLEM
19+
distinct tracker implementations across Chase products
19 trackers. One broken promise.
I once spent an afternoon counting. Across Chase's product ecosystem: 19 distinct tracker implementations. Same interaction model. Eight teams. All building the same thing from scratch, each slightly differently, each convinced theirs was right.
None of them were wrong, exactly. That was the problem.
A tracker makes a promise — this is where you are, this is where you're going, the system knows the difference. When that promise looks different across every product, users don't think "bad UX." They think: I don't trust this bank.
At 45 million cardholders, inconsistency isn't a design debt. It's a business risk wearing a UI.