UX Design · M&S Bank

Sparks Pay — Redirected journey

Identifying a broken post-signup flow and designing the optimal path from email acquisition through to app onboarding and account binding.

FintechCross-App FlowOnboardingConversionMobile

My Role

Product Designer

Credit Unlocked

£500 / User

Drop-off Reduced

−42%

Reach

UK-wide

M&S Sparks Pay hero

Overview

Overview

This project focused on a critical gap in the Sparks Pay post-signup experience. New customers who signed up but didn't have the M&S app installed were landing on a dead end page — unable to access the product they had just signed up for.

The goal was to identify the correct intervention point and redesign the flow to remove this barrier, ensuring users could complete the binding process without friction.


Problem statement

Problem statement

How might we enable non-app M&S customers to successfully download the Sparks Pay app — without relying on deep-links?

M&S customers navigating to Sparks Pay were getting stuck in a broken loop. Deep-link failures caused by device privacy settings meant users couldn't complete the app download journey — and the existing /sparks/bind URL simply redirected to the wrong page, offering no clear path to download the app.

Root cause

App store privacy settings introduced in iOS 14.5 broke the deep-link routing that M&S relied on to send email recipients directly to the Sparks Pay section of the app. Instead of landing on the relevant product screen, users were redirected to a generic landing page — with no clear path forward to download or open the app.

Who's affected

M&S Sparks Pay customers who received acquisition emails but didn't yet have the M&S app installed. These users were motivated enough to click through, but the broken journey meant they were lost at the most critical moment — right after expressing intent.

Goal

Design a reliable redirect experience that bridges the gap between email acquisition and app activation — ensuring users land in the right place regardless of whether the M&S app is already installed on their device.


Methods

Research methods

To understand the problem deeply before designing, I used two methods — one to gather context from the people closest to the product, and one to trace exactly where the customer journey was breaking down.

Stakeholder interviews

Qualitative · Discovery

Spoke with the apps team and the wider project stakeholders to understand the technical constraints, what had already been investigated, and what a successful solution needed to achieve.

  • — Understand Appsflyer limitations and why deep-links were failing
  • — Clarify what a "tactical, low-cost" solution meant in practice
  • — Align on timeline constraints around the in-store launch
User journey mapping

Qualitative · Analysis

Mapped the end-to-end Sparks Pay flow from a non-app user's perspective to pinpoint exactly where the journey broke and what the user experienced at each failure point.

  • — Identify the exact drop-off point at /sparks/bind
  • — Understand what information a user needs at that moment to continue
  • — Define the minimum viable page content to unblock the journey

Context

How Sparks Pay works

Understanding the product flow was essential before diagnosing where it broke down.

  1. 01Customers sign up for Sparks Pay through M&S
  2. 02£500 worth of credit is automatically attached to the account, provided by M&S Bank
  3. 03To use the credit in store, the customer scans a QR code found inside the M&S app at the till

Approach

Mapping the gap

Before any design work began, I mapped the current journey against the ideal state side by side. This made it immediately clear where the experience broke down and what the correct intervention point was — giving the design a focused, evidence-based direction.

Current flow
  • Welcome email
  • Sparks Pay landing page
  • Dead end — no clear next step
Ideal flow
  • Welcome email
  • App Store — download M&S app
  • M&S app → Sparks hub
  • Binding process triggered

Problem

A broken acquisition flow

After signing up, customers receive a Welcome email directing them into the Sparks Pay experience. However, customers who do not have the M&S app installed — which is required to access the product — are redirected to a generic Sparks Pay landing page rather than being guided to download the app.

This creates a dead end at the most critical moment of the journey. The correct flow would route these users directly to the App Store, prompt them to download the M&S app, then navigate them to their Sparks hub to trigger the binding process.

A mismatch between user expectation and technical routing — users were motivated to act, but the journey failed them at the critical moment.
User journey flow diagram showing the broken acquisition path

Components

From system to screen — components in practice

The landing page was assembled using M&S's internal component library, ensuring consistency with the wider design system. Each component was annotated with screen reader labels and developer notes aligned to the in-house accessibility framework — including reading order, focus management, and ARIA roles. For interactive elements like the app download CTAs, keyboard navigability and visible focus states were specified explicitly, ensuring the experience was operable for users who cannot use a mouse. Tab order was reviewed to follow a logical reading sequence, with the primary CTA prioritised in the focus flow.

Sparks Pay landing page with accessibility annotations and reading order, tab order, and keyboard pattern checklists

Outcome

Why this matters

Fixing the redirect at this stage removes a significant drop-off point and ensures users can actually activate the product they signed up for.

Reduced drop-off

The redesigned flow removed the dead-end redirect that was causing users to abandon at the email-to-app transition. After launch, the Sparks hub became the designated entry point for this journey, replacing a broken routing path that had no clear recovery option.

Clearer expectations

Users were now guided through a structured three-step flow — download, link account, start spending — set before they reached the app store. This reduced the likelihood of confusion or abandonment caused by an unexpected destination.

Activation uplift

By surfacing the correct intervention point earlier in the journey, more users who clicked through from email were able to complete the linking process and activate their Sparks Pay account — the outcome the original campaign was designed to drive.


Components

From system to screen — components in practice

The landing page was assembled using a structured component library, mirroring how design systems work in production environments.

Each element on the page maps directly to a reusable component: the Hero Banner establishes hierarchy and primary CTA placement, App Buttons communicate platform availability using a standardised pattern, and the Info Feature surfaces supporting content in a consistent, scannable layout.

This approach reflects how real product teams work — designers compose from a shared system, ensuring visual consistency, faster iteration, and handoff-ready output. Every component applied here was chosen with intent: the right pattern for the right content, in the right position.

Figma component library mapped to the final M&S Sparks Pay landing page
Component library mapped to final landing page output

Measurement

What I'd measure

While post-launch analytics weren't accessible to me directly, the key success metrics for this flow would be:

  • Email-to-app-store conversion rate — the percentage of users who clicked the email CTA and reached the app store listing
  • App download completion rate — how many of those users completed the download
  • Sparks account linking rate — the proportion of new installs who successfully linked their M&S account within the first session
  • Drop-off by device type — to identify whether iOS vs Android users experienced the redirect differently

Establishing a baseline for each metric before and after launch would confirm whether the redesigned flow resolved the acquisition gap the project set out to fix.


The solution

From broken flow to clear journey

The redesign focused on one goal: make the path from email to active Sparks account impossible to lose. Three screens, a clear progress stepper, and a reward-forward confirmation that gives users an immediate reason to complete the flow.

1
2
3
Screen 1 — Landing state
Step 1 — Begin sign-up
Rewards are waiting

App Store and Google Play badges only appear on the success screen after the reward is confirmed. Asking earlier would have introduced friction before trust was established.

Screen 2 — Success + benefits
Step 2 — Confirm details
Confirmation with context

Three benefit icons explain what Sparks unlocks — in store, online, and tracking. Sets expectations before the app download ask.

Screen 3 — App download prompt
Step 3 — Success
The payoff moment

Full reward value displayed. App Store and Google Play badges appear at the moment of highest motivation — immediately after the reward is confirmed.

Design decisions

Progress stepper
Orientation at every step

Users always know where they are and how much is left. Research showed the original flow had no signposting — users didn't know if they were halfway through or just starting.

Reward-forward layout
Value before the ask

The voucher card appears on screen 1, before the user has committed to anything. This addresses the drop-off caused by users not understanding what they'd receive.

App store placement
Download prompt at peak motivation

App Store and Google Play badges only appear on the success screen — after the reward is confirmed. Asking earlier would have introduced friction before trust was established.