Pluto Play

Pluto Play

More Than Just A Digital Wallet…

Create Budgets, Set Financial Goals and Organize All Rewards/Loyalty Points.

More Than Just A Digital Wallet…

Create Budgets, Set Financial Goals and Organize All Rewards/Loyalty Points.

o Competitive Analysis
o User Stories
o Qualitative Research
o Analysis & Summary

o User Persona
o User Journey’s
o User Flows
o IA

o Low Fidelity Wireframes
o Mid Fidelity Wireframes
o High Fidelity Wireframes

o Test Plan
o Test Scripts
o Test Report
o Preference Test

“Enjoy Amazon Pay every day, everywhere” is what they say on their site. They claim they are the faster way to pay wherever you shop saying users can breeze right though checkout. They attempt to stand out from the competition by offering the use of voice pay using their Alexa product as well as having an A to Z Guarantee.

“Enjoy Amazon Pay every day, everywhere” is what they say on their site. They claim they are the faster way to pay wherever you shop saying users can breeze right though checkout. They attempt to stand out from the competition by offering the use of voice pay using their Alexa product as well as having an A to Z Guarantee.

Overall Strategy
o They have a great rating on the app store

o They offer a feature to check, compare and pay your bills

o I feel their site should be more informative

Overall Strategy
o They have a great rating on the app store

o They offer a feature to check, compare and pay your bills

o I feel their site should be more informative

Market Advantage
o They have built trust with their customers
(I believe this is their greatest asset)

o Don’t need to create logins for additional sites

Market Advantage
o They have built trust with their customers
(I believe this is their greatest asset)

o Don’t need to create logins for additional sites

o They’ve built trust among their users.

o They offer a unique feature with Alexa
voice shopping.

o They provide plenty of deals (savings)
helpful tips and recommendations.

Strengths:

o When the user logs into
“pay.amazon.com”, it is VERY basic
with no options.

o It doesn’t offer any special features
such as budgeting, goals, loyalty
programs etc.

o Although payments can be made
using Amazon Pay at select
locations, it is geared towards
Amazon shoppers and not
necessarily a so-called digital
wallet.

Weaknesses:

o They don’t offer a way for their users
to budget and/or create goals

o Limited on storing loyalty
points/rewards

o No currency converter.

Opportunities:

Amazon Pay Summary

This app offers convenience specifically to Amazon’s own customers. It allows them to easily use their already stored credit/debit card information on other participating sites. Amazon has built trust with their customers, provides a unique voice shopping feature and offers plenty of deals, recommendations as well as helpful tips to their users.


However, when users log onto pay.amazon.com, there aren’t any features and it is a very basic site. They also lack a way for users to keep and organize loyalty points/rewards as well as a way to create goals and budget their money.


Overall, I think my Pluto app could benefit from keeping Amazon’s ideas of offering deals and helpful tips in addition to incorporating all the things they lack as mentioned above. I also think that building a marketing strategy that indicates we are trustworthy would definitely incline people to become users of Pluto.

Amazon Pay Summary

This app offers convenience specifically to Amazon’s own customers. It allows them to easily use their already stored credit/debit card information on other participating sites. Amazon has built trust with their customers, provides a unique voice shopping feature and offers plenty of deals, recommendations as well as helpful tips to their users.


However, when users log onto pay.amazon.com, there aren’t any features and it is a very basic site. They also lack a way for users to keep and organize loyalty points/rewards as well as a way to create goals and budget their money.


Overall, I think my Pluto app could benefit from keeping Amazon’s ideas of offering deals and helpful tips in addition to incorporating all the things they lack as mentioned above. I also think that building a marketing strategy that indicates we are trustworthy would definitely incline people to become users of Pluto.

Their slogan is “Say hello to a better relationship with money”. Their tagline is “Google Pay is a safe, simple, and helpful way to pay and manage your money”. They attempt to stand out from the competition by offering multiple useful features.

Their slogan is “Say hello to a better relationship with money”. Their tagline is “Google Pay is a safe, simple, and helpful way to pay and manage your money”. They attempt to stand out from the competition by offering multiple useful features.

Overall Strategy
o They have a great rating on the app store

o They have a simple interface to get more insights
into personal finances

Overall Strategy
o They have a great rating on the app store

o They have a simple interface to get more insights
into personal finances

Market Advantage
o They have created a product that combines a
digital wallet with a financial institution all in
one comfortable, personalized space.

Market Advantage
o They have created a product that combines a
digital wallet with a financial institution all in
one comfortable, personalized space.

o They keep on brand.

o They provide a personalized
experience.

o User interface is easy.

o Save and use mobile event tickets,
boarding passes, and transit cards.

Strengths:

o The problem with Google Pay is that
it only works on NFC technology. It
does not work on MST terminals.
This means that you can only use
this service at stores that have NFC
POS terminals.

o They offer insights to financial
spending but not a way to help
improve spending.

Weaknesses:

o They don’t offer a way for their users
o to budget and/or create goals.

o There aren’t any helpful tips to
o achieve financial goals.

Opportunities:

UX Analysis

Google has built a strong payment app. They keep on brand, create a personalized experience for each user, they have an easy to use interface & users can even store event tickets, boarding passes & transit cards all of which would be beneficial to my app Pluto. The issues are that it only works on NFC technology which means that you can only use this service at stores that have NFC POS terminals. Another issue is that although they offer insights to financial spending, they don’t offer help on how to budget & create a better financial future. These are the things where Pluto could differentiate from Google Pay.

UX Analysis

Google has built a strong payment app. They keep on brand, create a personalized experience for each user, they have an easy to use interface & users can even store event tickets, boarding passes & transit cards all of which would be beneficial to my app Pluto. The issues are that it only works on NFC technology which means that you can only use this service at stores that have NFC POS terminals. Another issue is that although they offer insights to financial spending, they don’t offer help on how to budget & create a better financial future. These are the things where Pluto could differentiate from Google Pay.

User Stories

Send/Save/Move Money
As a user, I want to be able to send friends money, so that I can pay my share of bills and/or pay money owed.

As a user, I want to be able to automate a savings, so that I can easily start accumulating money.

As a user, I want to be able to move money to different accounts, so that I can allocate my finances better.

Rewards/Loyalty Program
As a user, I want to be able to store all of my rewards and loyalty points in one place, so that I can conveniently access any/all of them with ease.

As a user, I want to be able to use my rewards and loyalty points effectively by knowing when each one is expiring, so that I do not miss out on any of them.

Search/Filter Past Behavior
As a user, I want to be able to find past transactions, budgets, and goals I’ve made, so that I can refer to it as needed.

As a user, I want to be able to find past transactions, budgets, and goals I’ve made, because it will lead to better financial decision making.

Store Banking Info In One Place
As a user, I want to store all my banking information in one place, so that I can easily access all my accounts.

Budgeting & Financial Goal Setting
As a user, I want to create budgets and financial goals, so that I can save and plan for my future.

Qualitative Research

User Interviews

Interview Goals:
o To figure out which tasks users like to perform using digital wallet apps.
o Are budgeting, goal setting and the organization of rewards/loyalties desired features?
o What pain points do users have with existing digital wallet apps.

Target Participant Characteristics:
o Ages 20-45.
o Currently use digital wallet apps.

Key Insights

Convenience/Security

o All participants say they use digital wallets for convenience.

o They all like that they can send/receive money without fees.

o All participants want to make sure their app is secure.

o One participant said it is convenient when she wants to order something online and that store accepts Apple Pay, she does not have to input her info because they already have it.

o Being able to connect to the people in their contact list was something they all like because they didn’t have to search.

Deals

o Two of the participants said it would be nice if they could load coupons.

o One of them said it would be even better if the app could locate coupons for them.

o One participant thought it would be great if the app alerted her when an item she was interested in was on sale.

o Another participant would like to be able to ask other people questions about sales or specific items kind of like a social media type of thing.

o One participant would like the app to find comparable items of what they are looking for at cheaper costs to save time on searching.

Budgets

o Three participants said if the app would automatically round up to the ext dollar and put that money into savings that would help with savings.

o One participant would like a virtual tally of all the money that has been spent per day/week/month/year.

Analysis & Summary

Analysis & Summary

Sorting The Information:
After conducting 4 successful interviews, I’ve gathered all written notes and began to gather the most important information allowing me to begin creating an affinity map. I took each individual piece of information and put it on its own blue sticky note. At this point I made 3 clusters of the blue sticky notes and categorized each cluster with yellow sticky notes (Coupons and Deals, Budgeting and Security & Ease).From there I was able to discover insights which I labeled on orange sticky notes.


Sorting The Information:
After conducting 4 successful interviews, I’ve gathered all written notes and began to gather the most important information allowing me to begin creating an affinity map. I took each individual piece of information and put it on its own blue sticky note. At this point I made 3 clusters of the blue sticky notes and categorized each cluster with yellow sticky notes (Coupons and Deals, Budgeting and Security & Ease).From there I was able to discover insights which I labeled on orange sticky notes.


Key Insights:

  • Users want a quick way to find deals on the items they want.

  • Users also want a way to chat with other people in regard to specific items and sales.

  • Users would like the app to send them coupons that they would be interested in.

  • Users would like to load the coupons they find to their app.

  • Users want an automatic savings.

  • Users want to visually see how much money they’ve spent and where for the day, week or month.

  • Users would like to be able to budget in an easy way.

  • Users want an easy user experience.

  • Users want security.


Key Insights:

o Users want a quick way to find deals on the items they want.

o Users also want a way to chat with other people in regard to specific items and sales.

o Users would like the app to send them coupons that they would be interested in.

o Users would like to load the coupons they find to their app.

o Users want an automatic savings.

o Users want to visually see how much money they’ve spent and where for the day, week or month.

o Users would like to be able to budget in an easy way.

o Users want an easy user experience.

o Users want security.

User Persona

With all my data collected and organized I was able to create two persona’s Alicia and Carol. Having these persona’s on hand helped me to empathize with the user as well as realize their needs, frustrations, behaviors and motivations. My persona’s also helped me hypothesis what type of actions/tasks my users may try to accomplish.

User Flows

Here I created three objectives for my persona’s with the purpose to work out an ideal flow for each objective. Carol wants to find a way to store her reward/loyalty points so she can easily access and manage them all from one place. She also wants to find items she uses/needs at a cheaper rate so she can save money. Alicia on the other hand would like to keep track of money she spent so she can clearly see areas where she can start cutting back and start saving.

Card Sorting

Based off of the user flows I’ve created, I made a sitemap. However, after conducting an open card sort and analyzing it,
I made a revised sitemap that correlates with the results.

Mid Fidelity Wireframes

I took my low fidelity wireframes and refined them a bit more using a design software tool called Adobe XD allowing me to get a better idea of what my app might look like.

Based off of the user flows I’ve created, I made a sitemap. However, after conducting an open card sort and analyzing it, I made a revised sitemap that correlates with the results.

Low Fidelity Wireframes

Using my revised sitemap, I designed low fidelity wireframes for three specific tasks… transaction history, searching deals and adding loyalty cards.

Based off of the user flows I’ve created, I made a sitemap. However, after conducting an open card sort and analyzing it, I made a revised sitemap that correlates with the results.

User Journeys

After carefully analyzing the user persona’s, I came up with a task for each user as well as the journey (including thoughts and emotions) the user will take to accomplish that task. Carol, a 44-year-old mother and teacher, wants to discover something fun and affordable to do with her kids whereas Alicia, a 29-year-old hair dresser wants to use Pluto Play to quickly discover where she has spent money in a given period of time.

User Persona

With all my data collected and organized I was able to create two persona’s Alicia and Carol. Having these persona’s on hand helped me to empathize with the user as well as realize their needs, frustrations, behaviors and motivations. My persona’s also helped me hypothesis what type of actions/tasks my users may try to accomplish.

User Journeys

After carefully analyzing the user persona’s, I came up with a task for each user as well as the journey (including thoughts and emotions) the user will take to accomplish that task. Carol, a 44-year-old mother and teacher, wants to discover something fun and affordable to do with her kids whereas Alicia, a 29-year-old hair dresser wants to use Pluto Play to quickly discover where she has spent money in a given period of time.

User Flows

Here I created three objectives for my persona’s with the purpose to work out an ideal flow for each objective. Carol wants to find a way to store her reward/loyalty points so she can easily access and manage them all from one place. She also wants to find items she uses/needs at a cheaper rate so she can save money. Alicia on the other hand would like to keep track of money she spent so she can clearly see areas where she can start cutting back and start saving.

Card Sorting

Based off of the user flows I’ve created, I made a sitemap. However, after conducting an open card sort and analyzing it, I made a revised sitemap that correlates with the results.

User Testing

After conducting generative research, I moved on to evaluative research methods, I conducted moderated remote tests with 6 participants using Zoom lasting approx. 15 minutes each. I wanted to get a wide variety of people to test out my new app as the app is not age specific. Therefore my participants ranged in age from 18-64 and also ranged in occupation as shown below.

I read my previously written test script to each participant which explained what we were doing & why. It then presented 3 scenario task for the participants to complete. The objective of the test was to test the usability of the navigation structure and to observe and understand the level of ease & any difficulties faced while trying to complete the scenario tasks.

Analysis & Reporting

After reviewing my Zoom recordings, I created an affinity map and sorted out my findings using the following categories: Observations, Positive Quotes, Negative Quotes and Errors. I then took that information and input it into a rainbow spreadsheet to help me understand priorities and solutions for the negative feedback from the Zoom sessions.

After reviewing my Zoom recordings, I created an affinity map and sorted out my findings using the following categories: Observations, Positive Quotes, Negative Quotes and Errors. I then took that information and input it into a rainbow spreadsheet to help me understand priorities and solutions for the negative feedback from the Zoom sessions.

Overall Pluto Play was liked by all participants. They were pleasantly surprised to see an app that does more than just a typical e-wallet. They had positive reactions to the straightforward, balanced and easy to use interface/navigation. The findings from the usability test will help further develop the prototype to improve user experience

High Fidelity Wireframes

In this step I added more details to make it look more realistic. I decided to keep working in Adobe XD to create an interactive prototype as it allows me to design, prototype and share my design.

Overall Pluto Play was liked by all participants. They were pleasantly surprised to see an app that does more than just a typical e-wallet. They had positive reactions to the straightforward, balanced and easy to use interface/navigation. The findings from the usability test will help further develop the prototype to improve user experience

View Prototype