The new way of paying

The new way of paying

  • The project focuses on designing an intuitive and user-friendly interface for a new payment model that allows users to purchase handsets by splitting the costs of the device and data plan.

    Users will have the flexibility to customise the length of their contract and adjust the upfront payment amount to suit their budget. The goal is to create a seamless experience across both mobile app and web platforms, ensuring transparency, simplicity, and ease of use.

    1. Empower User Choices: Enable users to personalize their handset purchase plan by selecting contract length, upfront payment, and monthly instalment amounts for both the device and data plan.

    2. Simplify Complex Decisions: Provide users with clear, interactive tools to compare payment options and see the financial implications of their choices in real-time.

    3. Enhance Cross-Platform Experience: Design a consistent and engaging UI/UX that works flawlessly across web and mobile apps.

    1. Payment Customization Tool:
      • Interactive sliders or dropdown menus for adjusting contract length (e.g., 12, 24, 36 months) and upfront payment.
      • Dynamic calculations showing the monthly installment for the device and data plan based on user selections.
      • Visual aids like graphs or charts to compare options side by side.

    2. Transparency-Focused Interface:
      • Clear breakdown of costs: device, data plan, taxes, and fees.
      • Real-time updates to show the impact of changes to contract terms or upfront payments.
      • Highlighted savings or promotional offers for specific combinations.

    3. Personalized Recommendations:
      • AI-driven suggestions based on user preferences, usage history, or budget constraints.
      • Prominent “Best Value” or “Popular Choice” tags to guide decision-making.

    4. Seamless Checkout Process:
      • Integrated payment methods supporting credit cards, digital wallets, or financing options.
      • Option to save or share customized payment plans for later review.

    1. Wireframes and high-fidelity mockups for both web and mobile platforms.

    2. Prototypes demonstrating key interactions (e.g., slider adjustments, cost breakdown updates).

    3. Comprehensive design system including components, color palette, and typography guidelines.

    4. Usability testing reports with feedback and design refinements.

Learning about the proposition:

Initial first impressions of flex pay relate to other third-party providers such as "Klarna or PayPal' with an understanding of paying for a product in multiple 'flexible' instalments.

Users were engaged by the idea of 'tailoring' their plan to suit their needs and easily engaged with the prototypes to do this.

Users who understood what 'flex pay' was, have expressed a lack of confidence in how managing two direct debits with different contract lengths will work and need further information on how they would manage this.

Users understood that 'phone contracts' include both the device and air-time plan highlighting when users purchase a phone and airtime plan, they typically view this as one contract as opposed to two separate contracts.

User needs:

  1. As an [existing customer] I need to [easily compare prices of different phone plans] so that [I can receive the best deals, save money and make the most of my budget].

  2. As an [existing customer] I need to [be able to tailor my phone plan] so that [I can purchase a phone plan best suited towards my needs].

  3. As an [existing customer] I need to [clearly understand my contract lengths] so that [I can understand the overall cost of my phone and plan]

HMWs:

  1. Help users understand the differences between flex pay and airtime plans.

  2. Help users clearly understand the overall cost of their monthly device and airtime plan.

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