Designing the mobile wallet

A case study

@timcaynes #ias12

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userinformationarchiexperiencetectoinnovationdesi

gnalignerationenvisioningeermatron

icatoricorn

254% of the

world has a

mobile phone

117% of the

world has a

wallet

0.004% of the

world thinks...

OMG, those

things should

be totally,

like,

the same

thing

Who are the

0.004%? tm

Who are the

0.004%? tm

IMAGE: REFERENCE: http://thinkd2c.wordpress.com/2011/05/12/visa-to-luanch-major-digital-wallet-initiative-in-2011/ SOURCE: Visa

IMAGE: REFERENCE: http://www.telegraph.co.uk/technology/mobile-phones/6254174/O2-to-trial-LTE-mobile-broadband.html SOURCE: O2. Probably.

IMAGE: REFERENCE: http://www.zdnet.co.uk/news/mobile-devices/2011/05/20/orange-and-barclays-unveil-quick-tap-mobile-wallet-40092845/ SOURCE: ORANGE

Image: Capture: http://www.google.com/wallet/

Ooh. Can they

literally change my life

with this?

Image: Capture: Mastercard youtube channel

Image: Capture: Mastercard Youtube Channel

Image: Capture: Google Youtube Channel

Image: Capture: Google Youtube Channel

Image: Capture: Orange youtube channel

“And as if that

wasn't enough, paying with your

mobile looks

pretty cool too”

and in this

world?

Can the design challenge be

reduced to a

pithy couple of slides?

Two ways to

approach the

design

Complicated and simple

Simple and

complicated

Complicated and simple –

registration

heavy and

transaction light

Simple and

complicated –registration light and

transaction

heavy

That choice is not yours

That choice

has already

been made

That choice

has already

been made

The design story

We’d like a mobile wallet

please

So you’d like...

Execution?

St

Still in the room

awake

Diagram: Useless Venn diagram

Image: Robert Gendler

Well, we’d just

like a mobile

wallet please

Oh

sadface

Ok, so what do

you already have?

we’ve been doing a bit of work with this agency that did put some things together but it was a while ago and until we knew the platform requirements we weren’t really sure what the architecture needed to be any since we’ve changed some of the delivery partners and there is new legislation coming up in november which basically says we’ll have to

update the transaction engine which actually we get from the merchant who since they merged with the carrier platform have

another version of that piece coming so we’re working with our IT partners to fill that gaps in implementation which means that we’ve

had to revise some of the business requirements again and since that happened there has been a new directive which means that in the UK we’re not actually allowed to do the thing that makes that piece work so we’ve had somebody else in the work on some high-level

designs but as we’re going through a brand update right now for the whole commerce platform we’re not quite sure which assets are

usable but compliance are looking into that so when we get those things back from those guys who have also changed their name

recently and I can’t remember who they we’ll be able to see how some of that fits together but we’re not entirely sure what the middle tier looks like yet because since the latest deployment of the fulfilment

engine we’ve had issues resolving some simple transaction and we might actually have to migrate those services to another supplier

and that will probably be in the third quarter so realistically we’ve put a hold on that pending the outcome of the stakeholder review which

incidentally is becoming more difficult since we actually changed who we are and we all wear different faces and can only communicate

through michael jackson thriller moves

Oh

sadderface

Still...

Jon

We did Immersion

Immersion

Immersion

then We did Ideation

Tap phone

DROP PHONE

shout a bit

start fight

Then We did Envisioning

Android

BlackBerry

Touchscreen Touchscreen Trackpad

Touchscreen and Trackpad

sadface

Mara

we did

Testing

Scenario: Try and use this lovely

android phone

to set up and

use a mobile

wallet

Scenario: Try and use this lovely Blackberry

phone to set

up and use a

mobile wallet

<meta name="viewport"

content="width=device-width, initial-

scale=1.0, maximum-scale=1.0, user-

scalable=no"/>

Did you do the

Execution bit?

What, if anything, I

learned

concept

Context

confidence

Thanks

@timcaynes #ias12