Evolving OY! Payment Feature
Nothing is original. Steal from anywhere that resonates with inspiration or fuels your imagination. — JIM JARMUSCH
In mid 2018 we started to transform OY! from Chat Platform to become a Payment & Chat Platform.
Our payment feature is a free transaction between bank account, user can connect their debit card and make a payment to OY! user or non OY! user.
So basically, in the beginning we created the MVP for the payment feature and these are the design for payment process to OY! user
Overall our design style is a carousel list of card that makes every bank logo prominent, similar to the concept of a real wallet. You can open your wallet and choose a card as you like, we classify it into bank and digital wallet.
Challenges
We had so many insights from conducting research regarding this design, and at the same time we received pressure from our Product Manager to improve the design based on a new spec that they would like to implement for further development.
Our concept requires user to connect their debit card before they can use the payment feature. We realized that user is not familiar with this design concept as a payment application.
The design concept it’s unique and different to the other leading apps. Thus, creates an obstacle for user to understand it, and the experience is not as easy as the usual payment application.
Don’t make me think. — STEVE KRUG
New Game Plus
Finishing playing games and you want to play again with same story but different start, it’s called a new game plus.
We want to start redesign our payment feature, so we gathered all insight from researcher. We use qualitative and quantitative research method for any kind of improvement.
For the qualitative perspective our researcher conducted user interview and usability test, and for the quantitative perspective our researcher focused on analyzing related metrics on analytic tools.
After all insight are gathered, we coordinated with our Product Manager to sync the new design with the development that want to be implemented on our payment feature.
The key to our new design is that we want to put forward knowledge of user on how to use payment application. To do this, we supported our argument by doing a benchmark analysis from m-banking and other digital payment that are commonly used in public. The result is a design payment feature that is eye pleasing for our user to use and easy to understand.
Knowledge isn’t power, applied knowledge is power. — ERIC THOMAS
Design Process
From the discussion we’ve been through; all the data, supporting argument, technical capabilities and also business needs, we decided to classify our menu into 2 categories primary menu and secondary menu.
Primary menu will consists the main feature of a payment product like pay, request, & transaction history.
Secondary menu will consist a secondary feature of a payment product like pay bills & top up digital wallet.
The design provided user with rich menu that is easily accessible by tapping any icon from the menu container. We do not want to bother user of having to choose which card they want to use each time they would like to do anything, user can immediately do any payment activities right away.
These are the new design for payment process to OY! user
We also changed the way user connect their debit card. Instead of “swipe” we implement a “select” method to choose preferred bank card. User can access list of bank card from the “add card” button on the home page.
With this concept of design, we enable user to perform a one time only payment method. User can pay to other OY! user or non OY! user without linking their debit card. This method creates a low commitment for user to use our feature. It’s like a trial to use our payment feature which builds trust for them, so it will creates the result for user to connect their debit card and continuosly using the payment feature.
Since our payment feature is unique, we created mini banner with detail information to educate and build user trust. Our mini banners are linked to OY! Indonesia blog that provide articles about “how to use”, “how is our payment process”, etc.
Roll Out
After 2 weeks of releasing the new concept design, we take a look at the metrics on analytic tools and found out that user who link their bank account increased by 20%, these impact resulted from the trust point that we add on the design.
There will be many upcoming features and we are always ready to create something that solve our user problem in a convenient way, our motto is Payment as easy as Chat!
Want to feel the full experience of our payment feature? Download OY! now on App Store & Google Play
