Back
Cowry Mobile App and Card
Cowry is a payment platform that supports the use of wallet and card to pay for bus
Cowry Mobile App and Card
Cowry is a payment platform that supports the use of wallet and card to pay for bus
What I Did
Product Design
UX Research
Ux Strategy
Interactive Prototyping
Platform
Mobile
Year
2020
Industry
Financial Service
B2C
B2B
Transport tech
Product Overview
Cowry is a payment platform that supports the use of wallet and card to pay for bus trips, topup wallet and check bus transactions. The major goal is to topup wallet-reduce cash transaction.
I led the entire mobile experience from concept to launch. I contributed to the UX Research and acted as brand designer to elevate Cowry’s brand and the overall look and feel to craft a delightful experience
We designed a mobile solution and card that was launched and led to 1.5million downloads and an active 300,000 daily users which has increased revenue assurance.
Who Is The Product For?
The product is for two sets of users; tech savy and non tech savy users, to pay for their bus trips using their mobile wallet or card.
Non-Tech Savy
Users who don’t use mobile data. They don’t have access to mobile phones.
Tech Savy
These set of users make use of
mobile app and have accesss to
internet. They will use the mobile
app to the fullest.
Product Problems
Transactions was done in an informal way (Cash based transactions). Hence, resulting to poor account management and absence of data bank to guide decision making.
Goal
The primary goal was to reduce cash-base transactions in transport operation in order to protect stakeholders’ interest, improve contact tracing, and protect commuters on their daily trips around Lagos. This strategic move helped improve the lives of Lagosians and increase easy movement for commuters in Lagos.
Understanding the Users
The first step was to understand what users were going through while trying to pay for a bus ticket manually. Given that this was an entirely new product to be introduced in Nigeria for the first time, we needed to get our facts right.
So to make sure we were solving the right problem and validate our assumptions we kicked off by conducting an intensive primary research.
Understanding the Users
The first step was to understand what users were going through while trying to pay for a bus ticket manually. Given that this was an entirely new product to be introduced in Nigeria for the first time, we needed to get our facts right.
So to make sure we were solving the right problem
and validate assumptions we kicked off by conducting an intensive primary research.
Qualitative Research
I carried out three types of qualitative research in other to gather data and insights about the problems/motivations, understand current behaviour and sets of users we will be building for.
Observation
I went to the terminals , where I observed what users where doing. I was able to fully understand what users were really doing. And documented what I observed.
I stoped about 50 commuters who were at the terminals, and asked for a quick few minutes of their time. I asked a few questions on what challenges they were facing using both card and app.
Guerrilla Research
I stoped about 50 commuters who were at the terminals, and asked for a quick few minutes of their time. I asked a few questions on what challenges they were facing using both card and app.
We interviewed 10 participants asking them in-view of their bus ticket payment experience.
One-0n-One User
Research Goal
The major goal was to find out what users were currently doing, what were their challenges and painpoints and how could we provide a solution to meet their needs.
We asked structured questions on how users will feel about a cashless payment process and what things they might want to achieve using the solution.
Key Insights From Research
The major goal was to find out what users were currently doing, what were their challenges and painpoints and how could we provide a solution to meet their needs.
We asked structured questions on how users will feel about a cashless payment process and what things they might want to achieve using the solution.
We needed to formalise the informal transactions done by users and also protect stakeholders interest.
60% of users were unbanked while 40% were banked
Creating an financially-inclusive solution that encapsulates all users.
Low internet connectivity, minimal coverage in some places in Lagos state
Create a solution that captures payment regardless of network constraints.
Account management was absent
Users were eager to see their transactions and manage transport trips as well as stakeholders
Absence of data bank
We needed to build a platform that will help users and stakeholders make informed decison
We needed to formalise the informal transactions done by users and also protect stakeholders interest.
60% of users were unbanked while 40% were banked
Creating an financially-inclusive solution that encapsulates all users.
Low internet connectivity, minimal coverage in some places in Lagos state
Create a solution that captures payment regardless of network constraints.
Account management was absent
Users were eager to see their transactions and manage transport trips as well as stakeholders
Absence of data bank
We needed to build a platform that will help users and stakeholders make informed decison
60% of users were unbanked while 40% were banked
Creating an financially-inclusive solution that encapsulates all users.
Low internet connectivity, minimal coverage in some places in Lagos state
Create a solution that captures payment regardless of network constraints.
Account management was absent
Users were eager to see their transactions and manage transport trips as well as stakeholders
Absence of data bank
We needed to build a platform that will help users and stakeholders make informed decison
Proposed Solution
Upon identifying users’ challenge and implications, we formulated an agile process to create an equitable, useful and enjoyable product. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction.
The Product features we resulted to were based of the insights we had gotten from users during research on the needs and task users were expected to perform
We created two payment gateway to capture the banked and the unbanked (Using NFC for card and QRcode for mobile app wallet)
Near field communication was a medium to capture offline transactions for users who did not use high ended mobile devices and also were unbanked and also to solve the issue of low network connectivity
The mobile app will serve as the online mood of payment, for the banked
The main goal and objective was to keep things as simple as possible, due to kind of users we were building for. These payment processes are created in other to create a seamless way of commuting.
Proposed Solution
Upon identifying users’ challenge and implications, we formulated an agile process to create an equitable, useful and enjoyable product. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction.
The Product features we resulted to were based of the insights we had gotten from users during research on the needs and task users were expected to perform.
We created two payment gateway to capture the banked and the unbanked (Using NFC for card and QRcode for mobile app wallet)
Near field communication was a medium to capture offline transactions for users who did not use high ended mobile devices and also were unbanked and also to solve the issue of low network connectivity
The mobile app will serve as the online mood of payment, for the banked
The main goal and objective was to keep things as simple as possible, due to kind of users we were building for. These payment processes are created in other to create a seamless way of commuting.
Ideation
Now that we had a very good understanding what user challenge and implications were, we were set out to solve these problems in an agile way. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction.
Based of the UX Research carried out and Identifying key user problems we were able to identify key features which will aid user experience for the mobile app
Ensuring users are able to effectively topup their wallet through integrating with different payent gateways
Users are able to Pay for their bus trip easily by scanning Qr code pasted on the bus
Users are able to see their bus transactions, card transactions and wallet transactions on the app
Users are also able to find nearby terminals using the mobile app
Users are also able to redeem unused tickets
However, our core and primary focus which we tackled first was Topup wallet and Pay with Phone given that this was one of the driving force of our success metrics, for a user to able to pay for their bus trip easily using a mobile wallet which will increase customer satisfaction and and also increase revenue assurance for the business.
First Iterated Screen
With the launch of the first iterated design, there were some challenges which was hindering users from completely performing their expected task such as sucessfully registering on the app and gping to perform a main action of top-up their wallet to pay for bus trip, which was hindering the success metrics and not encouraging the app usuage and retention.
Insights From First Iterated Screen
Information Architecture
Designed a new information architecture to capture the use cases for the new experience
Paper Sketch
Now that we had a very good understanding what user challenge and implications were, we were set out to solve these problems in an agile way. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction. I started sketching out ideas based on the insights from research.
Design Solution
Once the wireframe was tested, we started bringing the designs to life by adding colors and Icons to give a visual representation of the app
Onboarding Screen
Topup Wallet Process
User research revealed that the wallet top-up was a critical feature, so we made it more prominent in the interface to ensure users could quickly add funds and seamlessly pay for their bus tickets.
Pay with Phone
Once funds are added to the wallet, users can simply scan the QR code on the bus to pay for their ticket, or conveniently purchase a ticket on behalf of someone else.
9:41
Pay With Phone
Scan QR
Ticket
Scan Code
Scan the QR code pasted on the bus
Or
INPUT BUSCODE
Bus Route
9:41
Oshodi Terminal
Abule Egba
Model
Long
Color
Blue
Capacity
42
Amount
300
CONFIRM ROUTE, FOR ME
CONFIRM ROUTE, NOT ME
Bus Details
Agbamoro
COPY ACCOUNT NUMBER
Payment Request Succesful!
Recipient (08135689012- Grace John) will get a code in which they will use to pay for bus trip.
CONTINUE
YES, FOR ME
Input Phone Number of the Person You Are Paying Trip For
Enter Phone Number of Recipient
e.g 08135689012
CONTINUE
MacBook Pro - 34.png
Card Transaction (Offline Transaction)
Since we were designing for two types of users, we needed to ensure both groups were included. Some users were not online users, which is why we designed an offline card to accommodate them. All card transactions are also synced to the mobile app, where users can view their transaction history
Challenges and Key Learnings
The challenges encountered during this project was with Data. Because this project was different and newly developed in Nigeria, we had to conduct both primary and secondary data gathering.
Most of secondary data were adapted to fit the Nigerian market, while the primary data include a mixed methodologies of interviews/focus groups and questionnaires/survey to ensure data validity and reliability. Overall, we were able to assess these data to apply it during product development.
We currently have 3.5million users and an active 300,000 daily users which has increased revenue assurance, contact tracing, trip planning and management and easy payment process.
We achieved a milestone of over 15 billion naira in transactions in 2022.
VICTORIA AGBAMORO
Cowry Mobile App and Card
Cowry is a payment platform that supports the use of wallet and card to pay for bus
Let’s make it happen
Contact me today!
Let’s make it happen
Contact me today!
VICTORIA AGBAMORO
Back
Cowry Mobile App and Card
Cowry is a payment platform that supports the use of wallet and card to pay for bus
Cowry Mobile App and Card
Cowry is a payment platform that supports the use of wallet and card to pay for bus
What I Did
Product Design
UX Research
Ux Strategy
Interactive Prototyping
Platform
Mobile
Year
2020
Industry
Financial Service
B2C
B2B
Transport tech
Product Overview
Cowry is a payment platform that supports the use of wallet and card to pay for bus trips, topup wallet and check bus transactions. The major goal is to topup wallet-reduce cash transaction.
I led the entire mobile experience from concept to launch. I contributed to the UX Research and acted as brand designer to elevate Cowry’s brand and the overall look and feel to craft a delightful experience
We designed a mobile solution and card that was launched and led to 1.5million downloads and an active 300,000 daily users which has increased revenue assurance.
Who Is The Product For?
The product is for two sets of users; tech savy and non tech savy users, to pay for their bus trips using their mobile wallet or card.
Non-Tech Savy
Users who don’t use mobile data. They don’t have access to mobile phones.
Tech Savy
These set of users make use of
mobile app and have accesss to
internet. They will use the mobile app to the fullest.
Product Problems
Transactions was done in an informal way (Cash based transactions). Hence, resulting to poor account management and absence of data bank to guide decision making.
Goal
The primary goal was to reduce cash-base transactions in transport operation in order to protect stakeholders’ interest, improve contact tracing, and protect commuters on their daily trips around Lagos. This strategic move helped improve the lives of Lagosians and increase easy movement for commuters in Lagos.
Understanding the Users
The first step was to understand what users were going through while trying to pay for a bus ticket manually. Given that this was an entirely new product to be introduced in Nigeria for the first time, we needed to get our facts right.
So to make sure we were solving the right problem and validate our assumptions we kicked off by conducting an intensive primary research.
Understanding the Users
The first step was to understand what users were going through while trying to pay for a bus ticket manually. Given that this was an entirely new product to be introduced in Nigeria for the first time, we needed to get our facts right.
So to make sure we were solving the right problem
and validate assumptions we kicked off by conducting an intensive primary research.
Qualitative Research
I carried out three types of qualitative research in other to gather data and insights about the problems
/motivations, understand current behaviour and sets of users we will be building for.
Observation
I went to the terminals , where I observed what users where doing. I was able to fully understand what users were really doing. And documented what I observed.
I stoped about 50 commuters who were at the terminals, and asked for a quick few minutes of their time. I asked a few questions on what challenges they were facing using both card and app.
Guerrilla Research
I stoped about 50 commuters who were at the terminals, and asked for a quick few minutes of their time. I asked a few questions on what challenges they were facing using both card and app.
We interviewed 10 participants asking them in-view of their bus ticket payment experience.
One-0n-One User
Research Goal
The major goal was to find out what users were currently doing, what were their challenges and painpoints and how could we provide a solution to meet their needs.
We asked structured questions on how users will feel about a cashless payment process and what things they might want to achieve using the solution.
Key Insights From Research
The major goal was to find out what users were currently doing, what were their challenges and painpoints and how could we provide a solution to meet their needs.
We asked structured questions on how users will feel about a cashless payment process and what things they might want to achieve using the solution.
We needed to formalise the informal transactions done by users and also protect stakeholders interest.
60% of users were unbanked while 40% were banked
Creating an financially-inclusive solution that encapsulates all users.
Low internet connectivity, minimal coverage in some places in Lagos state
Create a solution that captures payment regardless of network constraints.
Account management was absent
Users were eager to see their transactions and manage transport trips as well as stakeholders
Absence of data bank
We needed to build a platform that will help users and stakeholders make informed decison
We needed to formalise the informal transactions done by users and also protect stakeholders interest.
60% of users were unbanked while 40% were banked
Creating an financially-inclusive solution that encapsulates all users.
Low internet connectivity, minimal coverage in some places in Lagos state
Create a solution that captures payment regardless of network constraints.
Account management was absent
Users were eager to see their transactions and manage transport trips as well as stakeholders
Absence of data bank
We needed to build a platform that will help users and stakeholders make informed decison
60% of users were unbanked while 40% were banked
Creating an financially-inclusive solution that encapsulates all users.
Low internet connectivity, minimal coverage in some places in Lagos state
Create a solution that captures payment regardless of network constraints.
Account management was absent
Users were eager to see their transactions and manage transport trips as well as stakeholders
Absence of data bank
We needed to build a platform that will help users and stakeholders make informed decison
Proposed Solution
Upon identifying users’ challenge and implications, we formulated an agile process to create an equitable, useful and enjoyable product. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction.
The Product features we resulted to were based of the insights we had gotten from users during research on the needs and task users were expected to perform
We created two payment gateway to capture the banked and the unbanked (Using NFC for card and QRcode for mobile app wallet)
Near field communication was a medium to capture offline transactions for users who did not use high ended mobile devices and also were unbanked and also to solve the issue of low network connectivity
The mobile app will serve as the online mood of payment, for the banked
The main goal and objective was to keep things as simple as possible, due to kind of users we were building for. These payment processes are created in other to create a seamless way of commuting.
Proposed Solution
Upon identifying users’ challenge and implications, we formulated an agile process to create an equitable, useful and enjoyable product. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction.
The Product features we resulted to were based of the insights we had gotten from users during research on the needs and task users were expected to perform.
We created two payment gateway to capture the banked and the unbanked (Using NFC for card and QRcode for mobile app wallet)
Near field communication was a medium to capture offline transactions for users who did not use high ended mobile devices and also were unbanked and also to solve the issue of low network connectivity
The mobile app will serve as the online mood of payment, for the banked
The main goal and objective was to keep things as simple as possible, due to kind of users we were building for. These payment processes are created in other to create a seamless way of commuting.
Ideation
Now that we had a very good understanding what user challenge and implications were, we were set out to solve these problems in an agile way. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction.
Based of the UX Research carried out and Identifying key user problems we were able to identify key features which will aid user experience for the mobile app
Ensuring users are able to effectively topup their wallet through integrating with different payent gateways
Users are able to Pay for their bus trip easily by scanning Qr code pasted on the bus
Users are able to see their bus transactions, card transactions and wallet transactions on the app
Users are also able to find nearby terminals using the mobile app
Users are also able to redeem unused tickets
However, our core and primary focus which we tackled first was Topup wallet and Pay with Phone given that this was one of the driving force of our success metrics, for a user to able to pay for their bus trip easily using a mobile wallet which will increase customer satisfaction and and also increase revenue assurance for the business.
First Iterated Screen
With the launch of the first iterated design, there were some challenges which was hindering users from completely performing their expected task such as sucessfully registering on the app and gping to perform a main action of top-up their wallet to pay for bus trip, which was hindering the success metrics and not encouraging the app usuage and retention.
Insights From First Iterated Screen
Information Architecture
Designed a new information architecture to capture the use cases for the new experience
Paper Sketch
Now that we had a very good understanding what user challenge and implications were, we were set out to solve these problems in an agile way. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction. I started sketching out ideas based on the insights from research.
Design Solution
Once the wireframe was tested, we started bringing the designs to life by adding colors and Icons to give a visual representation of the app
Onboarding Screen
Topup Wallet Process
User research revealed that the wallet top-up was a critical feature, so we made it more prominent in the interface to ensure users could quickly add funds and seamlessly pay for their bus tickets.
Pay with Phone
Once funds are added to the wallet, users can simply scan the QR code on the bus to pay for their ticket, or conveniently purchase a ticket on behalf of someone else.
9:41
Pay With Phone
Scan QR
Ticket
Scan Code
Scan the QR code pasted on the bus
Or
INPUT BUSCODE
Bus Route
9:41
Oshodi Terminal
Abule Egba
Model
Long
Color
Blue
Capacity
42
Amount
300
CONFIRM ROUTE, FOR ME
CONFIRM ROUTE, NOT ME
Bus Details
Agbamoro
COPY ACCOUNT NUMBER
Payment Request Succesful!
Recipient (08135689012- Grace John) will get a code in which they will use to pay for bus trip.
CONTINUE
YES, FOR ME
Input Phone Number of the Person You Are Paying Trip For
Enter Phone Number of Recipient
e.g 08135689012
CONTINUE
MacBook Pro - 34.png
Card Transaction (Offline Transaction)
Since we were designing for two types of users, we needed to ensure both groups were included. Some users were not online users, which is why we designed an offline card to accommodate them. All card transactions are also synced to the mobile app, where users can view their transaction history
Challenges and Key Learnings
The challenges encountered during this project was with Data. Because this project was different and newly developed in Nigeria, we had to conduct both primary and secondary data gathering.
Most of secondary data were adapted to fit the Nigerian market, while the primary data include a mixed methodologies of interviews/focus groups and questionnaires/survey to ensure data validity and reliability. Overall, we were able to assess these data to apply it during product development.
We currently have 3.5million users and an active 300,000 daily users which has increased revenue assurance, contact tracing, trip planning and management and easy payment process.
We achieved a milestone of over 15 billion naira in transactions in 2022.
VICTORIA AGBAMORO
Cowry Mobile App and Card
Cowry is a payment platform that supports the use of wallet and card to pay for bus
Let’s make it happen
Contact me today!
Let’s make it happen
Contact me today!
VICTORIA AGBAMORO
Back
Cowry Mobile App and Card
Cowry is a payment platform that supports the use of wallet and card to pay for bus
Cowry Mobile App and Card
Cowry is a payment platform that supports the use of wallet and card to pay for bus
What I Did
Product Design
UX Research
UX Strategy
Interactive Prototyping
Platform
Mobile
Year
2020
Industry
Financial Service
B2C
B2B
Transport tech
Product Overview
Cowry is a payment platform that supports the use of wallet and card to pay for bus trips, topup wallet and check bus transactions. The major goal is to topup wallet-reduce cash transaction.
I led the entire mobile experience from concept to launch. I contributed to the UX Research and acted as brand designer to elevate Cowry’s brand and the overall look and feel to craft a delightful experience.
We designed a mobile solution and card that was launched and led to 1.5million downloads and an active 300,000 daily users which has increased revenue assurance.
Who Is The Product For?
The product is for two sets of users; tech savy and non tech savy users, to pay for their bus trips using their mobile wallet or card.
Non-Tech Savy
Users who don’t use mobile data. They don’t have access to mobile phones.
Tech Savy
These set of users make use of mobile app and have accesss to internet. They will use the mobile
app to the fullest.
Product Problems
Transactions was done in an informal way (Cash based transactions). Hence, resulting to poor account management and absence of data bank to guide decision making.
Goal
The primary goal was to reduce cash-base transactions in transport operation in order to protect stakeholders’ interest, improve contact tracing, and protect commuters on their daily trips around Lagos. This strategic move helped improve the lives of Lagosians and increase easy movement for commuters in Lagos.
Understanding the Users
The first step was to understand what users were going through while trying to pay for a bus ticket manually. Given that this was an entirely new product to be introduced in Nigeria for the first time, we needed to get our facts right.
So to make sure we were solving the right problem and validate our assumptions we kicked off by conducting an intensive primary research.
Understanding the Users
The first step was to understand what users were going through while trying to pay for a bus ticket manually. Given that this was an entirely new product to be introduced in Nigeria for the first time, we needed to get our facts right.
So to make sure we were solving the right problem
and validate assumptions we kicked off by conducting an intensive primary research.
Qualitative Research
I carried out three types of qualitative research in other to gather data and insights about the problems/motivations, understand current behaviour and sets of users we will be building for.
Observation
I went to the terminals , where I observed what users where doing. I was able to fully understand what users were really doing. And documented what I observed.
I stoped about 50 commuters who were at the terminals, and asked for a quick few minutes of their time. I asked a few questions on what challenges they were facing using both card and app.
Guerrilla Research
I stoped about 50 commuters who were at the terminals, and asked for a quick few minutes of their time. I asked a few questions on what challenges they were facing using both card and app.
We interviewed 10 participants asking them in-view of their bus ticket payment experience.
One-0n-One User
Research Goal
The major goal was to find out what users were currently doing, what were their challenges and painpoints and how could we provide a solution to meet their needs.
We asked structured questions on how users will feel about a cashless payment process and what things they might want to achieve using the solution.
Key Insights From Research
The major goal was to find out what users were currently doing, what were their challenges and painpoints and how could we provide a solution to meet their needs.
We asked structured questions on how users will feel about a cashless payment process and what things they might want to achieve using the solution.
We needed to formalise the informal transactions done by users and also protect stakeholders interest.
60% of users were unbanked while 40% were banked
Creating an financially-inclusive solution that encapsulates all users.
Low internet connectivity, minimal coverage in some places in Lagos state
Create a solution that captures payment regardless of network constraints.
Account management was absent
Users were eager to see their transactions and manage transport trips as well as stakeholders
Absence of data bank
We needed to build a platform that will help users and stakeholders make informed decison
We needed to formalise the informal transactions done by users and also protect stakeholders interest.
60% of users were unbanked while 40% were banked
Creating an financially-inclusive solution that encapsulates all users.
Low internet connectivity, minimal coverage in some places in Lagos state
Create a solution that captures payment regardless of network constraints.
Account management was absent
Users were eager to see their transactions and manage transport trips as well as stakeholders
Absence of data bank
We needed to build a platform that will help users and stakeholders make informed decison
60% of users were unbanked while 40% were banked
Creating an financially-inclusive solution that encapsulates all users.
Low internet connectivity, minimal coverage in some places in Lagos state
Create a solution that captures payment regardless of network constraints.
Account management was absent
Users were eager to see their transactions and manage transport trips as well as stakeholders
Absence of data bank
We needed to build a platform that will help users and stakeholders make informed decison
Proposed Solution
Upon identifying users’ challenge and implications, we formulated an agile process to create an equitable, useful and enjoyable product. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction.
The Product features we resulted to were based of the insights we had gotten from users during research on the needs and task users were expected to perform
We created two payment gateway to capture the banked and the unbanked (Using NFC for card and QRcode for mobile app wallet)
Near field communication was a medium to capture offline transactions for users who did not use high ended mobile devices and also were unbanked and also to solve the issue of low network connectivity
The mobile app will serve as the online mood of payment, for the banked
The main goal and objective was to keep things as simple as possible, due to kind of users we were building for. These payment processes are created in other to create a seamless way of commuting.
Proposed Solution
Upon identifying users’ challenge and implications, we formulated an agile process to create an equitable, useful and enjoyable product. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction.
The Product features we resulted to were based of the insights we had gotten from users during research on the needs and task users were expected to perform.
We created two payment gateway to capture the banked and the unbanked (Using NFC for card and QRcode for mobile app wallet)
Near field communication was a medium to capture offline transactions for users who did not use high ended mobile devices and also were unbanked and also to solve the issue of low network connectivity
The mobile app will serve as the online mood of payment, for the banked
The main goal and objective was to keep things as simple as possible, due to kind of users we were building for. These payment processes are created in other to create a seamless way of commuting.
Ideation
Now that we had a very good understanding what user challenge and implications were, we were set out to solve these problems in an agile way. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction.
Based of the UX Research carried out and Identifying key user problems we were able to identify key features which will aid user experience for the mobile app.
Ensuring users are able to effectively topup their wallet through integrating with different payent gateways
Users are able to Pay for their bus trip easily by scanning Qr code pasted on the bus
Users are able to see their bus transactions, card transactions and wallet transactions on the app
Users are also able to find nearby terminals using the mobile app
Users are also able to redeem unused tickets
However, our core and primary focus which we tackled first was Topup wallet and Pay with Phone given that this was one of the driving force of our success metrics, for a user to able to pay for their bus trip easily using a mobile wallet which will increase customer satisfaction and and also increase revenue assurance for the business.
First Iterated Screen
With the launch of the first iterated design, there were some challenges which was hindering users from completely performing their expected task such as sucessfully registering on the app and gping to perform a main action of top-up their wallet to pay for bus trip, which was hindering the success metrics and not encouraging the app usuage and retention.
Insights From First Iterated Screen
Information Architecture
Designed a new information architecture to capture the use cases for the new experience
Paper Sketch
Now that we had a very good understanding what user challenge and implications were, we were set out to solve these problems in an agile way. Synced with engineers, product managers and stakeholders to get insights in other to get feedback and know product direction. I started sketching out ideas based on the insights from research.
Design Solution
Once the wireframe was tested, we started bringing the designs to life by adding colors and Icons to give a visual representation of the app
Onboarding Screen
Topup Wallet Process
User research revealed that the wallet top-up was a critical feature, so we made it more prominent in the interface to ensure users could quickly add funds and seamlessly pay for their bus tickets.
Pay with Phone
Once funds are added to the wallet, users can simply scan the QR code on the bus to pay for their ticket, or conveniently purchase a ticket on behalf of someone else.
9:41
Pay With Phone
Scan QR
Ticket
Scan Code
Scan the QR code pasted on the bus
Or
INPUT BUSCODE
Bus Route
9:41
Oshodi Terminal
Abule Egba
Model
Long
Color
Blue
Capacity
42
Amount
300
CONFIRM ROUTE, FOR ME
CONFIRM ROUTE, NOT ME
Bus Details
Agbamoro
COPY ACCOUNT NUMBER
Payment Request Succesful!
Recipient (08135689012- Grace John) will get a code in which they will use to pay for bus trip.
CONTINUE
YES, FOR ME
Input Phone Number of the Person You Are Paying Trip For
Enter Phone Number of Recipient
e.g 08135689012
CONTINUE
MacBook Pro - 34.png
Card Transaction (Offline Transaction)
Since we were designing for two types of users, we needed to ensure both groups were included. Some users were not online users, which is why we designed an offline card to accommodate them. All card transactions are also synced to the mobile app, where users can view their transaction history
Challenges and Key Learnings
The challenges encountered during this project was with Data. Because this project was different and newly developed in Nigeria, we had to conduct both primary and secondary data gathering.
Most of secondary data were adapted to fit the Nigerian market, while the primary data include a mixed methodologies of interviews/focus groups and questionnaires/survey to ensure data validity and reliability. Overall, we were able to assess these data to apply it during product development.
We currently have 3.5million users and an active 300,000 daily users which has increased revenue assurance, contact tracing, trip planning and management and easy payment process.
We achieved a milestone of over 15 billion naira in transactions in 2022.
VICTORIA AGBAMORO
Cowry Mobile App and Card
Cowry is a payment platform that supports the use of wallet and card to pay for bus
Let’s make it happen
Contact me today!
Let’s make it happen
Contact me today!
VICTORIA AGBAMORO