Vita Amalia Sipayung

Product Manager | Digital Transformation | Design & Technology

Flexible Payment

Building a seamless booking flow with more payment choice and flexibility

Designed and launched a flexible payment option that let users book without paying upfront, with charges applied closer to the travel date and the ability to cancel for free. This gave customers greater confidence and improved conversion rates.

Role: Platform Product Manager
Led the design and delivery of a scalable payment architecture, bridging user needs, engineering feasibility, and business growth objectives. Coordinated cross-functional stakeholders including finance, risk, and engineering teams to ensure adoption and integration.

Problem

Product Ideation
Product Ideation

Traditional “pay-now” models forced travelers into upfront payments and rigid refund rules, creating friction, refund disputes, and missed booking opportunities. Operational inefficiencies emerged from failed transactions and high refund handling costs.

Solution

System Architecture
System Architecture

Redesigned the platform-level payment and booking architecture to decouple payment validation from booking confirmation. Introduced a scheduled charge mechanism allowing instant booking without upfront settlement and integrated free cancellation policies. The architecture was designed to be modular and extensible, supporting adoption across hotel, flight, and train products.

Fill in the Booking Form
Fill in the Booking Form
Choose the Flexible Payment Method
Choose the Flexible Payment Method
Free & Easy Cancellation (if needed)
Free & Easy Cancellation (if needed)

Impact

  • +XX% conversion uplift from search to booking issuance
  • +XX% Gross Booking Value (GBV) increase
  • Reduced refund disputes and operational overhead through improved validation workflows
  • Established a scalable infrastructure for financial inclusion and future product expansion

Skills & Capabilities

  • Platform Product Management → defined architecture and integration roadmap across products
  • Systems & Data Architecture → built modular validation and settlement flows for scale
  • Market & Policy Insights → identified demand for flexibility and aligned with inclusion goals
  • Operational Efficiency → reduced failed transactions and refund overhead
  • Cross-Functional Leadership → coordinated engineering, finance, and business stakeholders

Keywords: digital data infrastructure, platform product management, financial inclusion, scalable system, traffic microsimulation, sustainable development