VISUAL SUGGESTION FOR A STANDARD PAYMENT FLOW IN THE ANDROID APP
December 2023
“At Mercado Pago, we're focused on the POS product, a mobile app (available on Android and iOS) that enables card-based transactions via Mercado Pago. This app pairs with a card reader connected through Bluetooth.”
Investigation
1
First we carry out an analysis of the projected position, where we distinguish the environment and from this, we identify the realities and uncertainties that we have. Next, we establish some purposes to understand user behavior, digital payment practices in Latin America and an investigation of competitors.
“Impotence since at some point I wanted to put card payments in my business and I couldn't”
Dawin, 39 Years old
Owner of technological products premises
“Clients have asked me if they can pay me with a card, it feels uncomfortable to tell them “NO” ”
Maria, 50 Years old
Bar Owner
“Offering card payment is complicated”
Andrés, 26 Years old
Car Wash Owner
Digital payments landscape
According to AMI (American Market Intelligence) 2023, it is the first year that Latin America presents a lower proportion of cash and a higher proportion of digital payments throughout the payments universe, including ecommerce and retail. Today cash represents 45% of retail payments in the main LATAM economies (vs. 70% in 2020). (Excluding Brazil, cash in the rest of Latam still occupies 53%).
https://lanotaeconomica.com.co/movidas-empresarial/radiografia-de-los-pagos-digitales-en-america-latina-como-va-colombia/
https://www.larepublica.co/globoeconomia/latinoamerica-donde-mas-crecen-pagos-electronicos-3244863
Benchmark
It allows us to understand the current market landscape and evaluate how other products or services similar to the one being designed are performing. This provides valuable information on best practices, trends, strengths and weaknesses of the competition, which helps identify opportunities to improve and differentiate one's product. We can highlight findings such as the speed in the payment process, a flow that provides clarity to the user to follow the steps, functionalities such as a product catalog, as in the case of MPOS.
2
Definition
Empathy map
Archetype
Taking into account the research carried out with users, the following archetype is built that encompasses the different needs, expectations, frustrations that our target group has.
Antonio Hernandez
Antonio lives with his wife and two children in the city of Bogotá, his family is the most important thing for him and he wants to provide them with stability.
He became independent 10 years ago and owns a business selling technology products and small appliances.
He also markets his products through the free market and social networks. It has always been concerned about providing excellent service to its customers, having products at the forefront of technology and providing payment options.
The situation was a little complicated by the pandemic and ern is currently trying to boost his business again.
42 years old
Business man
Bogotá - Colombia
Married
Paint points
-Feel helpless because you cannot implement everything you want in your business.
-Feel bad about losing sales since you cannot offer all payment methods
-Feel afraid when you have had many sales in one day, since most people have paid you in cash and you run the risk of theft.
Interest
-Technological news
-Social networks
Needs and expectations
-Increase sales in your business
-Learn about managing technologies in your business
-Provide stability to your family
Ideation
3
User flow
Here we can visualize the different paths that the user can take when carrying out the payment process
4
Prototyping
Low fidelity prototype
It is essential to make a low-fidelity prototype since it allows you to quickly outline the ideas and structures of a digital product. These simple and basic diagrams help to visualize the arrangement of elements in the interface, facilitating the early identification of usability, navigation and information flow problems.
High fidelity prototype
Recurring user income
starting point
Immediately prompts the user to enter the value
The user can manually enter the value, or choose the products from the catalog
Confirm the value
You can choose between the option to pay immediately or in interest-free installments.
6. Indicated to insert or swipe the card
The user receives a message approving the payment
Finally it shows you the details of the operationFinalmente le muestra el detalle de la operación
Functionalities
Payment history
Allows the user to review the history of payments made by their clients
Allows refunds to the customer in case of cancellation of the purchase
Successfully processed
Provides detailed information to the user about the operation
Sending transaction support to the customer by email
Access to payment history
Catalog creation
The user creates a catalog with the products they sell and can associate them at the time of purchase
Testing
5
It helps us continually improve design solutions. By involving real users in usability testing, you get direct feedback on the product experience, allowing you to improve and understand how users interact with the interface. This iterative testing practice ensures that the final design aligns with user needs and expectations, improving usability, satisfaction, and effectiveness of the product, thus fostering a more user-centered solution.
