YEAR
2022
YEAR
2022
ROLES
Product Design
Interaction Design
UX Research
ROLES
Product Design
Interaction Design
UX Research
INDUSTRY
B2C
Fintech
INDUSTRY
B2C
Fintech
Designing to bridge the payment hassle between small businesses and customers.
Designing to bridge the payment hassle between small businesses and customers.
Overview
QR Pay is a fintech mobile app that is being used to make payments from customers to business owners by just scanning their TAG code to get their details and make payment seamlessly.
Overview
QR Pay is a fintech mobile app that is being used to make payments from customers to business owners by just scanning their TAG code to get their details and make payment seamlessly.
Problem Statement
High transaction costs and manual processes are the biggest hindrances to the growth of business-to-Customer (B2C payments) in Africa. This is according to a new report by Duplo, a fintech company dedicated to developing solutions for B2B transactions across Africa.
According to the report, both challenges (high transaction costs and manual processes) dominated the list of challenges shared with a 50.5% occurrence rate in respondents’ feedback (high transaction cost- 32.1%; manual processes- 18.4%).
This problem being experienced by businesses to accept payments that would reflect immediately after being initiated led to the birth of this solution “QR Pay” which will bridge the gap of B2C payments in Africa.
Problem Statement
High transaction costs and manual processes are the biggest hindrances to the growth of business-to-Customer (B2C payments) in Africa. This is according to a new report by Duplo, a fintech company dedicated to developing solutions for B2B transactions across Africa.
According to the report, both challenges (high transaction costs and manual processes) dominated the list of challenges shared with a 50.5% occurrence rate in respondents’ feedback (high transaction cost- 32.1%; manual processes- 18.4%).
This problem being experienced by businesses to accept payments that would reflect immediately after being initiated led to the birth of this solution “QR Pay” which will bridge the gap of B2C payments in Africa.
Research Process
I conducted face to face interview with business owners around my place of residence asking them major challenges they do face receiving payments from customers paying without cash, and also conducted interview by calling some of my friends and colleagues concerning the challenges they face making payment without cash to small scale business owners we can’t afford a POS machine. I intend to pinpoint the major challenges businesses and consumers both face.
I also asked them how they have been coping with their challenges and how they think it could be solved.
Research Process
I conducted face to face interview with business owners around my place of residence asking them major challenges they do face receiving payments from customers paying without cash, and also conducted interview by calling some of my friends and colleagues concerning the challenges they face making payment without cash to small scale business owners we can’t afford a POS machine. I intend to pinpoint the major challenges businesses and consumers both face.
I also asked them how they have been coping with their challenges and how they think it could be solved.
Further Discovery..
After the interview, I realised that most of these business owners accept cash transfers which has resulted to them being scammed (the payer sent fake sms credit alerts). Only a few business owners could afford a POS machine that would be used to accept payments.
Further Discovery..
After the interview, I realised that most of these business owners accept cash transfers which has resulted to them being scammed (the payer sent fake sms credit alerts). Only a few business owners could afford a POS machine that would be used to accept payments.
Solution
I discovered that the problem we want to solve has already been solved, but was the solution effective? NO
This prompted us to come up with a solution that will not only solve the problem of financial payments between businesses and consumers, but also cover up the flaws of previous solutions.
Solution
I discovered that the problem we want to solve has already been solved, but was the solution effective? NO
This prompted us to come up with a solution that will not only solve the problem of financial payments between businesses and consumers, but also cover up the flaws of previous solutions.
My Solution
Business owners will download the QR Pay mobile app and setup their storefront which after setup, they will receive a Jpeg image format QR code which will be scanned for them to receive payments.
This QR tag can be printed out and posted in front of their shops so customers can easily scan the QR code and make payments which will reflect instantly and the business owner would be notified immediately by SMS.
My Solution
Business owners will download the QR Pay mobile app and setup their storefront which after setup, they will receive a Jpeg image format QR code which will be scanned for them to receive payments.
This QR tag can be printed out and posted in front of their shops so customers can easily scan the QR code and make payments which will reflect instantly and the business owner would be notified immediately by SMS.
Competitive Analysis
I reviewed similar products that are offering payment bridges around B2C. by analysing their strength, and weaknesses.
Competitive Analysis
I reviewed similar products that are offering payment bridges around B2C. by analysing their strength, and weaknesses.
User Personas
I created two personas of different genders and targeted users to keep steadfast on the users.
User Personas
I created two personas of different genders and targeted users to keep steadfast on the users.
User Flow
After my research i came up with an easy to navigate user flow to guide users.
User Flow
After my research i came up with an easy to navigate user flow to guide users.
Sketch
A lot of sketching went into documenting the ideas for the design. after gathering data’s from interview of users. the sketch is the first visual representation of the user interface.
Sketch
A lot of sketching went into documenting the ideas for the design. after gathering data’s from interview of users. the sketch is the first visual representation of the user interface.
Style Guide
To keep the visual elements consistent and appealing, it was important to create a set of rules and guidelines that were clear to help me create an intuitive visual for our users. These include typography, identifiable brand colours, clear buttons, modals etc.
Style Guide
To keep the visual elements consistent and appealing, it was important to create a set of rules and guidelines that were clear to help me create an intuitive visual for our users. These include typography, identifiable brand colours, clear buttons, modals etc.
High Fidelity Prototype
High Fidelity Prototype
Key Takeaway
Working on this project has really been an eye-opener for me as I’ve realised that digital payment solutions for businesses in Africa have not fully explored and solved the problem. and this issue has affected small scale businesses, mostly. because medium and large businesses still find their ways around getting POS machines to bridge that problem between them and their customers.
If i have more time to work on this project i would really invest more time on the UX and also add some other features that can be used for other payments.
Key Takeaway
Working on this project has really been an eye-opener for me as I’ve realised that digital payment solutions for businesses in Africa have not fully explored and solved the problem. and this issue has affected small scale businesses, mostly. because medium and large businesses still find their ways around getting POS machines to bridge that problem between them and their customers.
If i have more time to work on this project i would really invest more time on the UX and also add some other features that can be used for other payments.
Thank you for your time
Thank you for your time