MWUX14: Designing Mobile Payment Experiences

Skip Allums’ new book for O’Reilly Media, Designing Mobile Payment Experiences, provides on the ground insights into the user experience challenges inherent in building mobile commerce interactions. This session will cover emerging best patterns in payments design, as well as ways to address consumer security concerns with UX best practices.
http://mobilepaymentux.com

Transcript

1. DESIGNING Mobile Payment Experiences Skip Allums
 UX Lead, Monitise Create @skippr mwux14
6. How can we make mobile money better/safer/faster?
7. Why is this shit so hard?
8. Money: is old ! ! !
9. Girsu (Iraq) 3300 BC textile animal oil cattle rope sheep metal garment grain
10. Money: is old is personal ! !
12. Money: is old is personal already works* ! *results may vary
13. $5.55 BILLION lost to credit card fraud globally in 2012 FTC, US Dept. of Justice
14. Money: is old is personal already works* is evolving
15. (r.i.p.)
18. WANT DO NOT WANT
21. 1. Your app is not their goal. 2. Payments are a conversation. 3. Information is power. 4. Lock it up. 5. Teach all the users.
22. 1 Your app is not their goal. Favor speed over spectacle.
24. PLAN TRAVEL BROWSE PURCHASE TRAVEL make shopping list find address of store arrive at store look for items place them in basket stand in check out line load items on counter pay for items arrive home
25. usefulness behavior change !
26. dunkin donuts
27. uber
29. starbucks
30. square
31. 2 Payments are a conversation. Provide constant feedback.
32. softcard / isis
33. levelup
35. lyft
36. Payments over $100 will incur a $2 service fee for processing costs. Pay $100.00
37. 3 Information is power. Show balances & recent activity.
38. paypal
39. simple
40. CHECK CRD PURCHASE 09/20 PANDAEXPRESS #09302 NAPA CA 4111XXXXXX1234 ?MCC=5814 Fucked: Not fucked: Sep. 20
 Panda Express Napa, CA $8.95 Fast Food VISA… 1234
41. t money
43. Presentation progress 63%
44. 4 Lock it up. Users expect security.
45. What are your biggest concerns with mobile payments? August 2011
46. ID theft What if I lose my phone? Privacy Not safe w/o a PIN 55% 47% 44% 33%
47. UI WEB SERVICE COMMUNICATION OS
48. softcard / isis paypal
49. capitol one wallet
51. ! ! Full card numbers Cardholder name Expiration date Security / CVV codes ! Cardholder Data:
52. ! ! ! Birth dates Social security numbers Phone numbers ID # (drivers license, passport) Pictures of user, their voice or fingerprints ! Personally Identifiable Information: Billing street address, city state & zip code
53. 5 Teach all the users. Including consumers, merchants & support.
54. softcard / isis paypal apple pay
56. venmo
57. good UX fosters trust
58. thanks @skippr mobilepaymentux.com