{"id":6,"date":"2019-12-31T13:30:22","date_gmt":"2019-12-31T08:00:22","guid":{"rendered":"http:\/\/www.jogendradesigns.net\/?p=6"},"modified":"2020-01-02T19:18:25","modified_gmt":"2020-01-02T13:48:25","slug":"mobile-wallet-concept","status":"publish","type":"post","link":"https:\/\/www.jogendradesigns.com\/?p=6","title":{"rendered":"Mobile Wallet Concept"},"content":{"rendered":"\n

People waste a lot of time and effort while paying through Cash, Card & Internet Banking.<\/p>\n\n\n\n

Cash is convenient but carrying a lot of cash could be bulky and always prone to theft and security. Credit and debit cards are also convenient still while making payment at a small shop or returning borrowed money to a friend may be tricky if you don\u2019t have cash. Net banking, on the other hand, is a tedious task.<\/p>\n\n\n\n

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Paying the exact amount, waiting for the change, waiting to get cash from ATMs, Long process to pay via card or internet banking are just few of the problems.<\/em><\/p><\/blockquote>\n\n\n\n

The following is an approach to come up with a quick solution for a mobile-based wallet to pay, send and receive money.<\/p>\n\n\n\n

The Good and Bad of Cash and e-wallet<\/h2>\n\n\n\n

I spend some time deducing what are the pluses and minus of both traditional cash and e-wallet and found quite a lot of insight<\/p>\n\n\n\n

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Task Analysis<\/h2>\n\n\n\n

After studying about different aspects of both cash and e-wallet I categorized different tasks people perform by their physical wallets.<\/p>\n\n\n\n

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Primary tasks<\/h4>\n\n\n\n

From all the listed tasks, I identified four primary tasks by Task-affinity mapping (Frequency Vs. importance).<\/p>\n\n\n\n

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  1. Make payments at Shops(Online & Offline)<\/li>
  2. Add Money<\/li>
  3. Track the Spendings<\/li>
  4. Transferring Funds<\/li><\/ol>\n\n\n\n

    White-boarding and Concepts<\/h2>\n\n\n\n

    After identifying the primary tasks and the task flows, I spend some time brainstorming to come up with a one of a kind idea. <\/p>\n\n\n\n

    My philosophy is to reduce the gap between the real and digital world. Below is a representation of how we spend from our wallets.<\/p>\n\n\n\n

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    By following the philosophy, I tried to mock the app\u2019s home screen and other components on the white board.<\/p>\n\n\n\n

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    Paper prototypes<\/h2>\n\n\n\n

    Refining the ideas in the white boarding session and testing them using POP to find pain points in the flow.<\/p>\n\n\n\n

    Home page exploration<\/h4>\n\n\n\n

    A lot of time spend on simplifying the navigation and making things obvious. That means mapping with the real world.<\/p>\n\n\n\n

    For example, we check the balance in our wallet by pulling out the money from the wallet but not entirely out. So to mimic that a swipe to see balance interaction is introduced to make the app feel more natural to the people.<\/p>\n\n\n\n

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    Payment Journey<\/h4>\n\n\n\n

    Making payment is the single most important function of a wallet. In \nthe digital space, we can take help different technology to make \npayments easy and intuitive.<\/p>\n\n\n\n

    A proximity payment method is available if merchants nearby are using same app for receiving payments.<\/p>\n\n\n\n

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    Pop Prototype<\/h4>\n\n\n\n
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