The Story

Of Indian Card Payment System

50% of debit cards and 95% of credit cards usage only
through poc machine and online payments

Credit card circulation

FY16 FY17 FY18 FY19
24 Million 29 Million 37 Million 48 Million

Debit card circulation

FY16 FY17 FY18 FY19
661 Million 854 Million 861 Million 931 Million

Stakeholder Research

Problem Statement Vision

Unconscious spending of money This project enables people in society to
through cards have a better life and make people stay
in the Saving economy.

Primary Objective Secondary Objective Target Audience

we need to create awareness and Create consciousness for spending Pan ndia nitial stage those
I , I

behavioral change before de cit people even though they use

fi who uses credit and debit
spending money credit and debit cards.
cards in angalore city. B

D es ign P rocess

DISCOVER DEFINE DESIGN INTERFACE

S ta eholder
k M eeting Affinity Mapping I nformation W ireframe
A rchitecture
U ser esearch R Persona & EMO Web Uability esting T

Task flow analysis and esult R

J ourney M ap
R apid Sk etching
R oot ause nalysis C A

P rototyping
C onceptual M odel

Stakeholder Meet ing

A stakeholder interview was conducted to get a better

idea of concerns goals and understanding of the projects. , ,

Cards play a vital role to spend more money than our actual
needs.

C ultural inventions make us spend more than our earnings

Availability at ease and nuclear family also leads to

overspending.

Ads and promotions activities also influence largely due to

impulsive buying.

E-commerce monopoly gives good offers to us in the market for

all goods it even leads to spending more money.

User Research

Qualitative research conducted across 21 users from different domains

and backgrounds and all of them using the card payment systems in
their own way.

13 Telephonic
8 Face to Face
2 Focus Group

User erso a
P n

SLOPPY DIGNITY SEEKER PLANNER

Pain Point Pain Point Pain Point

Endup with multiple creditcard Earning is less and expenditure Unexpected expenditure
and commitments are more
Attracted to credit card online Emergency expenses
offers C an't make family unhappy for
sake of saving money or earning N eeds
Spending more in expensive and less
unnecessary things To ful ll additional expenses
fi

N eeds
Crossing limit and converting to Financial education related
EM I Additional source of income to to card payment ,

meet his commitments

N eeds

Reminder on each stage of card

usage about the pending
payments and intrest

Better clarity on the credicard

charges payment and usage. ,

A O TB U

N ithesh is a software engineer in a reputed T rm. e loves to try new things he I fi H ,

often visits restaurant with family and friends. Most of his purchases happen
through online shopping sites. e likes to buy thing in seasonal offers even its not H ,

emergency or not even re uired. At this point using ve credit cards because of fo q fi

multiple offers.
S L PPY O

N ithesh ingh S GOALS NEEDS

Ful l personal and family needs Reminder on each stage of card
32 Year old
fi

usage about the pending payments

Married K eep up the lifestyle and try new things and intrest
Employed Reduce the credicatd use and come up Better clarity on the credicard
with mangeble level. charges payment and usage. ,

B angalore ndia , I

P ersonality
PAIN POINTS MODE OF TRANSACTIONS
C urious Endup with multiple creditcard C ash
C arelss and easy going Attracted to credit card and online offers Debit ards C

readit ards
Spending more in expensive and
C C

M aslows Hierarchy unnecessary things P ayTM

Selfestem C rossing limit and converting to EM I Google ay P

E M O W e b

Excitement
3 1 B uying expensive and branded
items

2 Missing credit card due dates

Anxiety 6 1 appiness 3 EM options for product purchase

4
H
I

4 Seasonal online and offline sales

5 Personal loan for mange credi

card due payment

2 5 6 P aying minimum due payment

Angery Sadness

Emp athy Ma p

1 2 3 4

ithesh recently married

N He start to use four wheeler ithesh and his wife watching
N e check on Amazon app and
H

and he move to bigger more for daily use than the T and noticed the adv that
V noticed that smart T have 10% credit V

apartment with his family two wheeler Amazon sale starts on tomorrow. card discount with exchange offer.

8 7 6 5

H e took an personal loan to He payed minimum amount Month end email from bank.Due , H e ordered the T with in the V

close the credit card due and lead to more interest and amount is high and pay minimum offer and payed using credit
and close the card due on coming months amount to go forward card

Challenges Design Opportunities

Attracted to offers When Where you can buy re uired

, q

items
Spend money in buying expensive and
unnecessary items Spend money in buying expensive and
unnecessary items
C rossing limit and converting it into EM s I

N otify the credit limit and due amount.

Root Cause A alys s n i

H ere we use “5 Why’s” techni ue it creates a process opportunity to delve deeper into the root causes and can illuminate q ,

the causal elements that created the problem thereby allowing for problem solution. ,

Social media Friends and families

Social pressure Office discussions
S ocial Press ure
Unnecessary Lf i estyle
P arties/Social get together
spending Outing with friends and family
Attracted to offers and discounts
P arty and restaurants
Season Sales
Shopping mall and super market Attracted to offers Advertisements
Offers End of season sales P romotional alls and Messages C

B ig events
N ew product in the market
T ryin g new thin gs
ew places to eat
A ttracte d to new
N

Desire of buying Advertisements thin gs

nfluenced by other people
I
things
Friends and family comparison N ew fashion trends
Missing due dates Sp en d
C rossin g money in Owning products
li mit an d
areless nature B uying expensive bu yin g
raving of having things
C
con verting it exp ensi ve Self Satisfaction C

EMI N ot utilizing reward points d

Ful llment of desire
into s an
fi
unnecessary
Advertisements ite ms
randed tems
A
B I

Shopaholic d
ttracte to new products
V isiting Expensive laces P
Upgrading new things Show off
Showing of in Social Media
N o reminders Lifestyle

Missing due dates N o understating the billing cycle

Less knowledge of redit card process C
General Discussions
C omparison between Gossips
ids school fees friends and families
Digg in into other persons life
K

family and friends

Full lling personal
fi
B irthday events Drinking
and family needs Addicted to bad habits
H ealth checkups Smoking
Loan& EM s I

H oardings
Season sales P osters in shopping malls romotion in malls and
A
P
versary
nni sale
infront of of ce premises
E- ommerce sites fi

ig Events
C

Lazy to extend the Movie ticket offers

Sharing number Date to others credit limit
Text while billing Restaurants & foods
messages D ff C offers
Sign up on new sites/apps i erent re dit
N ew cloths
car d o ffers Branded outlet
offers ew gedgets
Online promotions Social Media osts
N

E
P
n dup with

ewspaper Ads multiple Travel offers

Self satisfaction
N

A ttracte d Advertisem cre ditcard

ents oardings within society
to o ffers H
Social life style
P osters in shopping malls Movie ticket offers
Attracted towards
T commercials
V
promotional Offer N eed to share docs
Timeline ressure P
Flight offers
Getting things Scarcity of product
for lesser price Credit card romotional calls P

Self satisfaction and messages

P romotional calls N ew C re dit car d o ffers To utilise it for different offers

Sloppy Planner Dignity Seeker

Life style Emergency expenses Unexpected expenses

Attracted to new products

Anniversary sale
N ew redit card offers
C

Social ressure P

Attracted to new things

Different redit card offers C

Conceptual Model
Based on what we discovered the conceptual model has been designed which shows how the entire system works ,

and how ef ciently the users can solve their key problems.
fi

Sloppy Planner Dignity Seeker

Card usage reminder on each stage To ful ll additional expenses

fi Additional source of income to
with detail meet expenses

Better clarity on the credicard Financial education related to card ,

charges payment and usage. , payment

Spending more in expensive and

unnecessary things

Phone umber N

One Time assword P

Email d and assword

I P

Build awareness about saving Sign n

F
I
ro m sho pping site economy through short and
catchy Slogans Sg i n up with OTP Yo ur Family
share the product to onecart Enter
ntegrated campain at schools to PIN

rice Graph last 3 months Full ame

I
P ,
create awareness in school childern
Con rmfi PIN
N

Price drop chances Date Of irth

rice drop noti cation Videos and posts about Forgot PIN
B

Sex
P fi

Share budgeting Reset PIN

roduct omparison A ermanent Address

P C
wareness S PIN
et
P

Assistance Phone umber N

Email d I

Adhar card
A C hat ssistance

Intelligent A based chat system I

Ho me screen O ne C art I ntro duction Yo ur Profile

M W P duct S About N minee D

D pendency Details
ro earch History o etails
a gic ishlist e
Why we are Full ame
Imp
N
ur shoping site wishlist different? Full ame
ort yo N
Date Of irth
S Date Of irth
B
elect product Why its best B
Sex
Price Graph last 3 months
rice drop chances
,
Sp en d choice for you !
roduct Details
Sex
Relationship
Relationship
P

Price drop noti cation fi

Adv isor
P

Share
Product omparison C
P ay ment
Assistance
Au to deduction M an ual Payment
Search Set ayment Amount
P Set ayment Amount
P

O ne C ar d M dFu
e n d E nroll ment Date of Deduction ayment
S product
P

Ban ccount Details

earch the

S elect product f rom search result

k A Credit / Debit ard C

FS ode U
rice Graph last 3 months
I C C PI

ranch Area or Loaction

P ,

rice drop chances Add d phone number Add d M ually M g d pending

B , N et anking B

Account umber
P car with car an onthly earnin an s

N
rice drop noti cation
P

Share
fi

Phone number with OT P Add card number Fetching expenses Account Type
roduct omparison Fetching card details Varify and conifrm Reading statements Current A/c
Savings A/c
P C

Assistance Generate expense graph

Setting up on limit
Finalising me
Ho me screen
Ho screen

Medfund D I

M C d
y ar R ewar ds I nsi ghts Statement
List of Debit and Reward for Reward for Pay in advance
credit card credit maintain credit maintain Hospital List
Tranasaction Where you
details of card spend more ?

F eature Ma pping

B est time to N otify the Price drop Which Listof all my Wher i’m N otify when All my pro le fi My Med fund Payment to
purchase price chances in a shopping debit and spnding i’m on the details to statement to my MedFund
prodcut variation as Day/ site is beast credit card more and risk and card show on the check all the when ever i
from alert Week/Other place to buy with track of less . usage is hospital for credit and want.
shopping products my usage more on , quick varify debit
site different and sahre informations
stage details

On e Cart

P rice Graph

P rice drop alert

P rice drop probablity

C omparision

O ne C ar d

Alerts
My ards C

I nsights

M dFu e n d

MF D ard I C

Statement

P ay in Advance

Share

I for at o
n m i n Architecture
The Obtained content and context form conceptual models are prioritized using Eisenhower uadrant and open q

card sorting with this an nformation Architecture is put together showing the content grouping navigation and I , ,

design of the application.

NOTIFICATIONS HAMBURGER MENU INTRO SLI ES D SIGN UP / LOGIN

M y ccount
A A bout S ign p U

M y ayment & ewards

P R W hy we are different? P hone number and O TP

ettings R egister Email and assword P

S
I ntroduction slides
S et in P

R efer Friend W hy its best choice for you !

Login with in P

S upport P roduct Details

T erms & rivacy policyP

Logout

HOME ONE CAR D ONE CART ME FUN D D

A wareness program ads Enrollment S earch the product Enrollment

List of searched products

One ard C
Verify obile no M
Profile

ermissions : phone,sms,email
ssistance
One art
A
C P
ersonal Details
um v d
P

rice variation for last 3 months

L C d dD c d
Mobile n ber erifie
P

M ed fund ist

S m h ud
re it an ebit ar
rice change probability
P
Fa m D ily etails
et ont ly b get
et prise alert
S

hare the product details

S Dependents & Nominee
Details
dd ard anually
Cm duc c
A C M

m : h ,m,m h
o pare pro t a ross

Per issions p one s s e ail s opping site

P ayment
Mobile n um v d ber erifie

List redit and Debit card

C Ch Su u D duc
S m h ud
at pport
A to e tion

et ont ly b get

M agic wish list S et enrollment amount

One card - landing page S elect ecomm app to share wishlist

S electy Date of Deduction
Ban account details
m x d
k

Login to e-comm app

h Enrollment uccess
One li it & e pense etails is
S
s own
S elect the product

M y ards
C
A ssistance
Man u al Pay m ent

D dC d c d
ebit an re i ar list P rice variation for last 3 months
S et enrollment amount

V c
iew Transa tions rice change probability
P
C hoose payment mode
et prise alert
S Enrollment uccess S

hare the product details

S
R ewards

V uch d Cm duc c Med fund landing page

h
o pare pro t a ross
o ers an Offers

d m V uch
Re ee o ers
s opping site

M ed fund ctivation msg A

C hat upport
S

I nsights
M ed fund card
Overall ransactions ategory hat assistance
:
T C C

Details
S tart a chat P ,
rofile Dependancy Nominee ,
e-comm app List of Hospitals

hare the product to One art

View/Download
S C

S tatements

A ssistance
P ay in advance
P rice variation for last 3 months
rice change probability
P

et prise alert
S

hare the product details

S

Cm duc c
h
o pare pro t a ross

s opping site

C hat upport
S

PRIMARY SECON ARY D TERTIARY

Task Flow A alys s n i

S :
cenario mazone grate ndian sale is started and user loo ing for a new iphone. How can come to now where
A I k I k

and when i can buy the product at best price.

LOG N I M agic wish list

List of searched
S earch the product products
HO E M

C hat assistance

ONE CART

Select the product

ONE CAR D

M ED F ND U

P rise variation graph C ompare S upport

P rice variation for last List of selected product

3 months
C hat ssistance
A
from different sites

P rice drop probability C ompare the price form

different e-comm app

S et prise alert

S hare

S :
cenario y credit card bill is generated for this month and it seems li e more than expected how to chec where
M k , k I

spend more and how much due have.

I

LOG N I A dd card manually Landing page

HO E dd your cards
One limit & expense is
M A

shown

ONE CART Cards page

Verify M obile no
ONE CAR D M y ards
C

View T ransactions

ED F ND ermissions :
, ,
P
M U

phone sms email

Vouchers
M obile number verified
R ewards

List redit and Debit card

C
R edeem ouchers V

Overall category
S et monthly budget nsights
I
transactions

Fetching overall expenses

Reading statements
Generating expense graph
Setting up one limit
Finalising

Wi ref ra es m
Icreated rapid sketch and wireframes for mobile application.The prototype was done on Figma. This was used
conduct usability testing.

Financial education related to card payment ,

A wareness Education
, , C ampin program
,
OneLimit understand your finational
for users.
capacity and remind on each stage on
spending

B c h c d c d ch ,
m du
etter larity on t e re i ar arges

pay ent an sage .

C ard usage reminder on each stage C ,
redit due remider with high priority
with detail
re you good with spending ?
, ,
A

M anage your cards lerts your spent A

patters and where you spend more.

W here and when you can buy based ,

on user history research
S pending more in expensive and
unnecessary things

C ompare before buy find out right time ,

and right place to purchase

MedFund D quic share with I , k

T o fulfill unexpected expenses hospitals

A dditional source of income to meet his

expences

M edical cover for you and your family. Not

just an insurace more benifits hospital

On board ing Scree s n

d c h d , h mh d u d c d , c h h m
h m cu d. d hm um d v c , d m h ud
Onboar ing s reen wit intro sli es As t e syste an eling ser personal an finan ial etails it ne essary t at t e syste

as to ore se re Onbor ing wit obilen ber an OTP arifi ation an e ail registration wit fo r igit pin set .

O N E CARD En roll e t a d o board

m n n n ing

1 2
d u h NC D R
dd u c d u d
d hu d ch
More etails abo t t e O E A

m um dd m u
A yo r ar sing registere

h .I dm v u .
an w y ser nee to oose
obile n ber or a ing an ally

t is ntro an oti ation to ser

3 4
L c d d u d h u d d
m um ,
ist of ar base on yo r registre

ud dh u c
Mont ely ser spen ing an earning to

cm h c
obile n ber one step away to
n erstna t e nser finan ial ability
o plete t e pro ess

O N E CARD La d n ing a d other a es

n p g

B d h u , d d
much u d,G c du m d, u m .
ase on t e ser earning spen ing an

H
u .N x u d d H h h d m dh m
ow yo earne etting tra k of all past e a on set p one li it

.
u h m
yo r earngin e t yo r spen ing etails ig lig te in top to re in t e sa e to

ser all t e ti e

h
u du d ,u d
h m , h much h
W at yo r spe p to to ay ser get i ea all

t e ti e ow t ey spent

L u c d dd
c d d c ch
ist of all yo r re it an ebit

cc u h d
ar an transa tion on ea

u x du d? h m
a o nt wit etails

Y
h u
o e pen it re is goo or is t is ore

t an yo r earning ?

h u dm dh
much ? d d
W ere yo spen ore an ow

u d
More etaile analysis of

h u d d
yo r spen pattern

Rewar

h m ,m v u
for w en yo spen

u h c c
wit in li its oti ation to ser

to keep p t e finan ial balan e