For Android Pay we mapped these different moments on a user journey. We did it in a tone spectrum ranging from serious to whimsical. This makes sure that we are using our voice in a consistent way across the entire user experience.
When facing procrastination, think of process over product. I often procrastinate when I’m overwhelmed by the thought, “Ok, I have to get X done”. Instead, it can be beneficial to think, “Ok, I will spend an hour on X” — which isn’t overwhelming, doesn’t require a long breakdown of tasks, and gets me started (90% of the battle).