Bazaar Pay: Application

BazaarPay App: Mobile Control

Developed a mobile application giving users comprehensive control over their BazaarPay financial services:

Key Features:

• Wallet balance monitoring
• Direct debit contract management
• Transaction history tracking
• Payment settings configuration

User Control Center:

• Direct debit activation/deactivation
• Transaction limit management
• Contract term modifications
• Payment history visualization

Market Research: Global to Local

Conducted comprehensive analysis of leading payment applications to understand best practices and user expectations:

International Benchmarks:

• Revolut: Digital banking & payments
• PayPal: Global payment leader
• Google Wallet: Tech giant's solution
• Klarna: Buy-now-pay-later pioneer
• WorldRemit: International transfers

Local Market Analysis:

• Digipay: Iranian digital payment
• Vandar: Local payment solution
• Up: Domestic financial service

Key Focus Areas:

• Direct debit activation flows
• Wallet funding processes
• Transaction management
• User control interfaces

This benchmarking helped identify:

• Industry standards
• Cultural adaptations needed
• Common user patterns
• Feature prioritization
• Security implementations

The Blueprint: Design Process

Following our comprehensive benchmarking, we moved into the solution design phase:

Wireframe Development:

Focus Areas:

1. Wallet Management:
   • Balance display
   • Top-up flows
   • Transaction history
2. Direct Debit Controls:
   • Contract activation
   • Limit management
   • Status toggles
3. Transaction Overview:
   • Payment history
   • Filtering options
   • Detail views

Stakeholder Review Process:

Trust Building: Breaking Barriers

The Story of Discovery: After launching the BazaarPay app, our data team helped uncover critical insights about user behavior and adoption patterns. Despite creating a comprehensive financial management app, we faced significant challenges in driving Direct Debit adoption.

Initial App Structure: The homepage prioritized two key elements:

• Direct Debit status (if previously activated)
• Wallet balance and activity This hierarchy aimed to promote Direct Debit while maintaining familiar wallet functionality.

Key Challenges Uncovered:

1. Market Reality:
   • Direct Debit was a novel concept in Iran
   • Users showed strong preference for familiar wallet payments
   • Trust barriers prevented feature adoption
   • Users had numerous questions about security and process
2. User Behavior Analysis:
   • High wallet engagement rates
   • Limited Direct Debit activation attempts
   • 60% abandonment rate in activation flow
   • Frequent support inquiries about Direct Debit
3. Flow Assessment: Original Design Issues:
   • Over-designed introduction screens
   • Complex visual elements
   • Information overload
   • Unfamiliar environment creating uncertainty

Solution Implementation: We took a minimalist approach to rebuild trust:

Impact Metrics: The simplified approach yielded significant improvements:

Key Learnings:

Design in Action: Key Interface Examples