PaySay By Namita Maheshwari CUA, M.Des., B.Arch.
PaySay
ByNamita Maheshwari
CUA, M.Des., B.Arch.
PaySay App
The PaySay app is a integration of basic banking and E wallet facilities to bring in the idea of using the money given by parents efficiently and be more aware of there expenses
Mobile based App- Like the Adult age group- mobiles are slowly becoming the identity of Urban teenagers and is being used for there day to day activities
Minimum steps and Minimum Activity- The app understands the impatient nature of the age group and hence would have minimum number of steps, and request for only required data for transactions.
Safety and Security- It has dealt with security issues and misuse of money issues. Eg. The change in password email will be received by the Parent.
Simple Content- The content is relatable, simple and is put in meaningful chunks. The age group avoids childish content and at the same time wants content they can understand easily without doing any research.
Engagement- Get the feedback from the user, have a forum where they can discuss what they plan to do with the money they have saved, or if they need any suggestions. Also based on there choices segment what is presented to them.
.
I am a Smart phone- let me
handle your money smartly
Persona Srishti – Young aspiring artist15, StudentJaipur
Lives with Parents, both working
Smart Phone expert user. Plays games,Listens to music, social networking etc.
Srishti is a class 9th Student. Apart from studying she has deep interest in art. Shrishti has always seen her parents working which has made her a very independent person and she also contributes with all the big and small works at home one of them being shopping for household needs. She also receives a decent amount of money as her pocket money.
Short term goals- Wants to buy her mom the wrist watch her mom had loved when they visited the mall lastWants to make donation at the school for Blind
Long term goals- Wants tot study at London School of ArtTravel the world Wants to start a Centre of education for the poor children
Drives- Makes her feel independent, confident and smart incase she manages to save
Blocks- money management, sharing her expense report with parents, security
Fundamental Needs- Freedom, independence, creativity
Culture imbibes- Risk taker, respects family, education
“My pocket money is very important to me, I always manage to save but wish to use my money more wisely”
Scenario
Srishti’s mother asks her to go get the grocery from their regular local grocery shop
Srishti forgets to carry money with her and doesn’t know what to do
The grocer suggests Srishti to stary using her phone to pay to him, he also prefers it because there is no hassle of handling cash, change, fake notes etc. and it’s a very easy process
Opportunities
• Most of the e wallet apps are very complicated and tough to comprehend- Make it Simple
• My parents would like to monitor my expense- Only when required
• I do not understand the language they use sometimes, and I don’t have the patience to go through there content to understand things- Relatable Content
Also I see no value in it, I would wish it would be more like my bank and not just a wallet- Manage my expenses, help me save etc. apart from the basic- Have a money manager
• “There is Kidpay I know of, but I am not a kid”- Make it look Sophisticated
Home Screen
Pay- To make a simple
payment
Ask- Asking money to a
Contact
Money manager
E ShoppingOther
Features
Menu bar
Parents Phone
Account details and
settings
Set reminders
Notifications regarding
new features and
transactionsIn case of low balance while paying
NEW PIN REQUEST:In case of New pin request
NOTIFICATION:In case of amount exceeding a certain defined limit
Information Architecture
The home page
The app works like Whatsapp, at a time only one device can be used- That is why only password required, the user name is by default
The home page(Security is extremely important to the age group)
In case of new password required-the password will be sent to the Parents with a message Please confirm over the call if its your child who requires the in and no fraudster
Feature Screen
The first thing the user wants to see is his current balance.
The important actions are placed on the screen, Other actions and features less used can be hidden
Pay Feature
Just requires the ID of any app and amount..
In future even NFC can be apart of this
Pay Feature with receiver information
The user has to confirm the name of the receiver before she decides to pay
LoFi Wireframes
Pay Screen in case of Low balance:
Will pop up a message with the exact amount the user is short of and would request to ask a contact
The Ask screen
Will ask for the contact, will have the amount in default if continued from pay screen, otherwise blank.The reason is optional, but would help the parent understand the urgency
Money Manger Screen:
This is auto generated data by your App depending on the transactions the user has made.
The option of feeding data will also be available
The E shopping Page:
This will be associated with various e shopping platforms, again generated from understanding of what the user uses frequently, and also what are the associated e com sites with PaySay
Transaction Alerts to Parents:
In case the user shops for more that a decided limit the parents will be notified about it, but this will not affect his buying power and user will also be informed of the same.
LoFi Wireframes
Pay Ask
My Plans E Shop
₹ 2780.00Srishti’s Current balance
12:45
See more from PaySay
Sense of Personalization:The app refers to you by your Name time and again in various features
Laid back and simple graphics, the sophisticated look is related to adult look. The teenagers avoid Childish content
Relatable and simple content, As per studies the teenagers are impatient and will not bother to research on what could mean what
Sense of Personalization:The app refers to you by your Name time and again in various features
What is important is in bold, Time and again in such apps the balance in your wallet is
the most important feature. It is also shown in Pay feature
app and Ask app as the user wants to be aware of this
data while using them
Meaningful and few chunks, big fonts and short paragraphs work well with this age group,Any extra and less frequently
used feature goes in See more
Screen Presentation example:Feature Screen
Thank You