Tap to Everything

A new horizon for Visa’s Tap Portfolio

COMPANY

VISA

TEAM

ROLE

DAN ROESBERRY - VP BUSINESS DEVELOPMENT

HOWARD XIAO - DIR BUSINESS DEVELOPMENT

SONIA GUPTA - VP TECHNOLOGY

DEEPTHI JARUGU - CHIEF SW ENGINEER

CHARLES CHEN - SR DIR TECHNOLOGY

WILL TIKI - PRODUCT DESIGN LEAD

ERIC CHEN - SR PRODUCT DESIGNER

PRODUCT DESIGN LEAD

I led product vision and definition for Tap to Everything and am a named inventor on the technology that supports the experience. Over several weeks, I led a core cross-functional team of seven to define Visa’s new gesture-native tap system and bring the vision to life. Tap to Everything is now live across Apple, Samsung, and other major ecosystems.

THE PROBLEM

Visa’s Tap portfolio was widely successful, and had achieved broad adoption — but the question was: how might we create new revenue opportunities for it?
Our technology and business leads approached us with an initial question: where else could users tap? But the more we explored, the more we saw that the real opportunity wasn’t about where people could tap. It was about what else a tap could help them do.

THE INSIGHT

The turning point came while exploring Tap to Pay: what if the same tap could also save the card? That revealed a standalone opportunity—Tap to Add Card.

When we sized that opportunity using the eligible card base, estimated annual provisioning requests, and potential improvements in provisioning approval rates, we found substantial commercial potential. Simplifying how people added cards to digital wallets opened a path to growth beyond expanding where they could pay.

That changed the ambition: tap could become a system-level interaction model, opening new revenue opportunities across financial tasks—with experiences as seamless and native as AirDrop or Apple Pay.

THE SOLUTION

Building on Tap to Add Card, we identified other fragmented financial tasks where a tap could significantly reduce user friction, drive adoption, and unlock commercial opportunities. We brought these tasks into a shared, gesture-native interaction model, defining core UX patterns that could scale across devices and systems. The result was Tap to Everything.

Pay

Add a card

Authenticate

Request

Send

THE RESULTS

By redefining the tap as a universal interaction model for fragmented financial tasks, we helped fuel the growth of Tap portfolio, and demonstrate how extending a familiar gesture beyond payments can improve adoption and security.