Debit Plus Lab is an internal product “command center” that brings together member insights, data, experiments, partners, and AI co-pilots to design, test, and govern Navy Federal’s Debit Card Plus program. It turns strategy, values (Service, Integrity, Community), and real-world operations into a single, living system that helps teams decide what to build, how to launch it, and how to keep it fair, clear, and member-first over time.