# Moments that Matter
source: https://developer.mastercard.com/user-account-management-service/documentation/experience-design-guide/momentsthatmatter/index.md

The User Account Management API is a small section of the broader Loyalty Management API. This API specifically enables the abilities to manage a user's details and their account details. There are two key moments in the product journey for the consumer: **Discovery** and **Adjusting settings**.

Another possible use for this API is to set up a customer service application where customer service agents can make adjustments to a cardholder's account. Some of the API calls not covered in this guide are for such use cases (B2B use).

## Discovery {#discovery}

### Make rewards easy to find {#make-rewards-easy-to-find}

The rewards section on your bank website can either be fully integrated throughout the app or on a separate page/platform. Both approaches should focus on being easy to find by users and easy to navigate. It is important to consider the approach as some aspects of User Account Management's API can be incorporated into the banking side of the website (such as the last four digits of a credit card). The User Account Management API is for managing the user's rewards account, so adjustments to settings only affect the rewards settings, not the bank's settings.

![](https://static.developer.mastercard.com/content/user-account-management-service/uploads/momentsthatmatter-discovery.png)

## Adjusting settings {#adjusting-settings}

### Make it easy to change settings {#make-it-easy-to-change-settings}

If the user wants to change some user or account settings, make sure it is not hidden.
Settings that cannot be adjusted by the user should be labeled as such, and if there is a way to change it (such as calling in to the call center), it should be made clear to the user.

![](https://static.developer.mastercard.com/content/user-account-management-service/uploads/momentsthatmatter-settings.png)

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