Overview
The Problem
I’ve been tasked with creating a MVP (minimum viable product) to offer solutions for the millions of unbanked Americans to help them complete
their necessary finances.
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The idea is to quickly and cheaply produce a basic version of the new
product that lets you learn how customers react to it on the market.
User Frustration
Without a bank account, workers cannot cash their checks without heavy
fees, nor build their credit, and simple transactions become complicated.
Project Scope & Constraints
3 week design
Independent case study
Tools: Adobe Creative Cloud, Google Survey, & Notion (file management)
Process
User Centered Design Process
Kickoff
Goals
Understand Target Users
Develop Business Requirements & Project Roadmap
Secondary Market Research
Market Validation
A. Rising unemployment, difficulty accessing credit, & decreased savings
Q. How big is the unbanked market?
A. 14.1 million Americans May 2020
Q. Why will the market grow?
N=1,488
Q. Will users be able to make purchases with cryptocurrencies?
A. 81% of respondents strongly agree that digital assets will be an alternative or replace fiat currency in 5-10 years.
Q. What are the barriers to mass usage?
A. 56% of respondents feel that regulatory barriers will be an obstacle.
N=33,000
Personas
Pay for fast food
Invest/save for the future
Unbanked Goals
Unbanked Gen Z
Doesn't have enough money to meet the monthly balance requirements
Demographics
15 - 24, Texas
Income: less than $15,000
Monthly Income Volatility: varied a lot
Frustrations
Competitive Analysis
Business Requirements
Ensure that users can set up direct deposit from their employers with the app.
Ensure that the app offers a feature to pay monthly bills.
Allow users to buy the major cryptocurrencies.
Allow users to make in-person purchases.
Discover
Goals
Design & Execute User Research Program
Gather Customer Insights
Journey Map
Unbanked Gen Z Journey
Unbanked Millennial Journey
User Survey
(based on user survey)
User Requirements
Add option to order physical card
Add BTC & ETH options to wallet
Evaluate
Goals
Integrate & Analyze Data
Set Foundation for Design
User Flows
Workflow Sketches
Four Step Sketch
Step 1: Notes
Step 2: Ideas
Step 3: Crazy 8's
Step 4: Solution Sketch
Site Map
Design
Goals
Goals
Progress Through Prototyping
Validate Prototypes & Visual Design
Wireframes
Prototype
for quick and clear prototyping
Free UI Financial Kit
V1
Usability Tests
Users were given a scenario and asked to complete four tasks, which were the business requirements
Casual Walkthrough
Confusing icons
Small card info text: accessibility for limited vision
Test 1: 4/4 tasks completed
“a lot of simplicity to it”
“onboarding helped. I remembered the $10”
Test 2: 4/4 tasks completed
Transaction history in the app
Copy & paste option for card information
API to send direct deposit info to workplace
Test 3: 4/4 tasks completed
End-to-end encryption when sending card info
Only relevant search results
Would want more info before buying crypto on the app
Test 4: 4/4 tasks completed
Change “add” debit card to “open”
Order physical card option on creation screen
Send button can be confusing
Test 5: 4/4 tasks completed
Add security options
Better address verification when ordering card
Last pay button to confirm payment button
“I would use this to save time and effort over a bank”
Test 6: 3/4 tasks completed
Option to delete payee once added to saved
Get rid of “x” on the payment verified screen
V2
V3
Divergent Thinking
After a client presentation, the app’s initial framework was simplified and the QR Code functionality received a lower priority to build.
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Without the QR code functionality, the app can still pay bills and make in-person purchases with the debit card.
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The initial reduction of features aligns the app with a MVP requirement for a quick build and a faster customer reaction on the market.
Business Requirements
Ensure that users can set up direct deposit from their employers with the app.
​
Allow users to make in-person purchases.
​
Allow users to buy the major cryptocurrencies.
​
Ensure that the app offers a feature to pay monthly bills.
​
Branding
1. Design Touchpoints
Designing the users’ first points of contact by creating relevant, meaningful, and endearing experiences.
2. Mind Mapping
Using keywords from prior research to keep the design in alignment with user expectations
3. Mood Board
via word generator
Light Mode
Dark Mode
4. Color Palette
via color theory
Light Mode
Dark Mode
5. Accessibility
Deuteranopia, Protanopia & Tritanopia safe
6. Logo
via Adobe Spark
Futura PT: Progressive & Clean
Lora Regular: Reliable & Traditional
Fonts:
Color:
Used by banks to create a sense
of security & trust in the brand.
# 1 preferred color by both men
& women.
7. A/B Testing
A
B
Implement
Goals
Develop initial style guide
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Iterative feedback & analysis
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Lessons learned
Style Guide
Lessons learned...
Utilize iOS UI Kits for rapid wireframes and high fidelity mockups, so I can focus on user experience, interactions, and flows.
Use Human Interface Guidelines and Material Design to implement mobile best practices.
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Rely on the research. Concepts and research that make sense to me, may not be as intuitive to users.
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I’m proud of the project because I solved a complex problem of an untapped market of over 14 million users with an emerging technology, being crypto, then made it easy to use and understand.