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Swipe, Dip or Tap? Designing trustworthy mobile payment experiences

5db54d7dbe0da749b897deab7c6331ae?s=47 Skip Allums
February 20, 2016

Swipe, Dip or Tap? Designing trustworthy mobile payment experiences

World IA Day 2016, San Francisco
The nature of money is evolving, and UX practitioners are facing tough design challenges in the financial space, especially where mobile devices have become tools for banking and paying. Consumers expect simplicity, security and speed. For any experience that involves personal and financial information, the slightest UX misstep will raise doubt in users’ minds. This talk will explain how our mental models around new commerce experiences are influenced by our long history with money as an artifact. You’ll learn tips for creating meaningful mobile payment interactions that feel effortless and inspire confidence.

5db54d7dbe0da749b897deab7c6331ae?s=128

Skip Allums

February 20, 2016
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Transcript

  1. Swipe, dip or tap? Designing trustworthy mobile payment experiences Skip

    Allums PayPal, O’Reilly @skippr
  2. Skip Allums Designing Mobile Payment Experiences PRINCIPLES AND BEST PRACTICES

    FOR MOBILE COMMERCE
  3. None
  4. easier to understand? faster? safer? more inclusive? How can we

    make money…
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  6. WANT DO NOT WANT

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  8. Skip Allums Designing Mobile Payment Experiences PRINCIPLES AND BEST PRACTICES

    FOR MOBILE COMMERCE
  9. New payment experiences must be convenient, meaningful & safe

  10. Convenient = makes life easier & feels natural

  11. Meaningful = sense of worth & understood value

  12. Safe = unassailable security & financial privacy

  13. A brief history of money

  14. Olaus Magnus, History of the Nordic Peoples, On Trade Without

    Using Money, 1555
  15. LESSON #1 Friction fuels innovation

  16. textiles animal oil cattle rope sheep metals garment grain Girsu

    (Iraq) 3300 AD
  17. Coins, Song Dynasty 1130 AD

  18. Coins, Song Dynasty 1130 AD

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  20. 6000 BC Barter and commodity trade 7th Century Lydian gold

    coins 12th Century Song Dynasty paper bills 1 B
  21. , 1974

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  23. LESSON #2 Money is personal

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  25. pick up deodorant at the corner store breakfast commute work

    lunch work commute dinner sleep read
  26. breakfast commute lunch work commute dinner sleep read work

  27. LESSON #3 Money works just fine already*

  28. Accenture, 2015 North American Digital Payments Study

  29. Average transaction times Checks 64 s EMV Cards 48.4 s

    Debit Cards 44.4 s Cash 28.5 s Aite Group, Contactless payments, NFC in the US: Beyond Science Fiction. Jan 2008
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  31. We have to favor speed over spectacle

  32. LESSON #3 Money works just fine already* *results may vary

  33. Global credit & debit card fraud in 2014 $16.31 BILLION

    Nilson
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  35. LESSON #4 Security is more than just tech

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  37. Roger Pfund

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  42. LESSON #5 A transaction is a conversation

  43. Mural by Desiderio Hernández Xochitiotzin, Tlaxcala City

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  48. Good UX fosters trust

  49. Thanks. @skippr #mobilepaymentux