Personalized Onboarding

Personalized Onboarding

The Credit Card Co-Pilot onboarding process is designed to transform a standard credit card into a precision financial tool. By moving through a guided four-step configuration, the system calibrates its recommendation engine to your specific spending habits and current wallet composition.

Secure Identity Integration

The journey begins with Google-backed Authentication. This ensures your financial profile is tied to a secure identity while enabling the optional background sync features for transaction ingestion.

• Benefit: Instant profile creation without manual form-filling.
• Privacy: Your spending data is siloed to your account, providing a private environment for reward optimization.

Profile & Spending Calibration

To provide accurate advice, the system must understand your "spending velocity." During the initial setup, you define your typical monthly expenditure across several tiers:

• Micro/Starter: ₹0 - ₹25k
• Mid-tier: ₹25k - ₹1L
• High-velocity: ₹1L - ₹3L+

Why this matters: Many premium credit cards have tiered reward structures or "milestones" that only activate once specific spending thresholds are met. By defining your monthly spend, the Co-Pilot can prioritize cards that offer the best "milestone-chasing" value for your specific budget.

Digital Wallet Construction

The core of the onboarding experience is the Card Discovery & Addition phase. Instead of manually entering complex reward terms, you select your cards from our pre-configured database.

• Smart Search: Quickly find cards by Issuer (HDFC, ICICI, Axis, Amex) or Card Name (Regalia Gold, Amazon Pay, etc.).
• Network Identification: The system automatically detects the card network (Visa, Mastercard, RuPay, Amex) to factor in network-specific merchant offers.
• Optimization Threshold: While the system works with a single card, adding three or more cards unlocks the full potential of the recommendation engine, allowing for competitive "best-in-wallet" comparisons.

// The system captures essential card metadata to power the recommendation engine
export interface UserCardWithDetails {
  id: number;
  displayName: string;
  network: string; // Used for RuPay-specific UPI recommendations
  issuer: string;
  cardName: string;
  annualFee: number | null;
}

Automation & Sync Setup

The final phase of onboarding introduces the Ingestion Connectors. To provide real-time feedback and milestone tracking, the Co-Pilot offers automated ways to log your transactions:

1. Gmail Connector: Securely scans for e-statements and transaction alerts.
2. SMS Ingestion: Parses local device notifications for instant, offline transaction logging.
3. Manual Review: A "Parser Review" interface allows you to verify and correct any ambiguous data, ensuring your reward math is always based on 100% accurate transaction history.

Milestone Initialization

Once your wallet is set up, the Co-Pilot initializes Milestone Tracking. It automatically joins your specific cards with their respective reward definitions (e.g., "Spend ₹2,00,000 for a ₹5,000 voucher").

By the end of the onboarding flow, your Home Screen is populated with Urgent Milestones and Weekly Strategy Actions, moving you from passive spending to active reward maximization.