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Enhancing Mobile Banking and Payments Usability

Enhancing Mobile Banking and Payments Usability

Enhancing Mobile Banking and Payments Usability

Méliuz used to be a company that gave cashback to users through purchases made with their partners. But now, they are more than that. Méliuz became a bank, and with this, a whole new world started for their users.

Client

Méliuz

Year

2022

Industry

Finance and Shopping

Revenue

$75 million (2022)

Company Size

250+

Company Size

250+

Challenge

Méliuz was first introduced to the market as a marketplace for cashback and coupons. In 2022, Méliuz became a digital bank with a marketplace. When the new app was launched (beta) users could only buy through the app using credit card an PIX (instant payment), just like they used to. Through feedback users were unhappy that the app changed, but the payment within didn't and they expected to use their account balance to make the payments.

Because of that, users with a balance in their accounts had to transfer their money to another bank and were not using it on our app. As a business, we were not giving them the option to spend their money with us.

Key Results

The new checkout was implemented in June 2022, and for 3 months, I measured the performance of this service.

15.3%

Increase of users buying cellphone minutes

9.4%

Decrease of users abandoning the purchase at the checkout

My Design Process

🔎

#1

Understand

Understand

💡

#2

Define

Define

⚒️

#3

Explore

Explore

📊

#4

Validation

Validation

🤝

#5

Handoff

Handoff

Reseach

After analyzing the data from a few financial services researches to understand the principles that guide the user, motivations, and feelings, I gathered a few valuable insights for this project.

60.3%

of users make purchases online quite often

46%

of users use online services such as delivery, travel and education

44.9%

of users have cashback as one of their decisions to purchase

44.9%

of users have cashback as one of their decisions to purchase

60.3%

of users make purchases online quite often

Benchmarking

The project benchmarking was essential for me to understand what the competitors and even other industries are bringing to their users and what is working so that I could build the best solution for our users.

Design considerations

Simplify website navigation;
Design consistent items selection behavior;
Cashback should be displayed;
Reduce the number of pages;
Must be possible to add/edit payment methods;
Must be possible to deposit money into account during the transaction.

User Testing

The user testing conducted with internal users that provided valuable insights into the usability and functionality of the prototyped checkout that can be checked in the section Key Results. Participants provided feedback on areas for improvement and suggestions for enhancing the feature to better meet their needs.

Before

After Testing

After Testing

After Testing

Before Testing

After Testing

Before

After Testing

After Testing

Before Testing

After Testing

After Testing

Before

After Testing

After Testing

Before Testing

After Testing

After Testing

Handoff

I documented all the project processes for this hand-off and shared the Figma link (with all the guidelines, captions, and behaviors of components) with the PM and developers. I also did a few meetings to review the flows and answer any developers' questions.

I'm always available for every question the development team has, and, in every step, we schedule a UI Review to check if everything is pixel-perfect implemented.

Looking to start a project or you need

consultation? Feel free to contact me.

Porto Alegre, RS, Brazil

carolinepinto.com