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Card Company Smoothly Links Its Mobile App With Android Pay

The Challenge

If the customers of a major credit card issuer wanted to use the Android Pay app from their phones, they had to download Android Pay, and then follow multiple complex steps to link their credit card app with Android Pay. The company wanted a solution that would let customers add their credit card information to Android Pay directly and automatically through its own mobile app.

Our Approach

Collaborating with the company and Google, Cognizant designed a simple process to enable customers to make credit card purchases using their Android phones. We designed and prototyped the solution in less than three months, using an agile development approach that facilitated close collaboration between all members of the team and continuous improvement throughout the development process. Agile also enabled the team to conceive, design and implement the solution within 10 months.

Cognizant’s solution, called “in-app provisioning,” automatically adds a customer’s credit card to Android Pay, eliminating the previously manual steps the customer had to take. The solution makes the process automatic for customers; one tap, and their card is ready to use on the phone. It has led to significantly increased transaction volume and greater market penetration. Beyond the short-term business benefits, the in-app provisioning solution is a first for the Android marketplace and will facilitate greater use worldwide.

Contributing to E-Commerce and the Digital Economy

This solution has clearly improved the experience for customers, making simple phone-based transactions easier, faster and safer—and winning a bigger share of their digital wallets.



month-over-month increase in card provisioning to Android Pay


months to conceive, design and implement the solution