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Before starting the design, I feel like the feature we plan to implement conflicts with our business goals.

We want users to keep their money in our app to encourage more spending. Adding a cash-out feature at ATMs would damage this business goal.


So I reach out to PM and Business team to rediscuss with this topic and express my concern.

We want users to keep their money in our app to encourage more spending. Adding a cash-out feature at ATMs would damage this business goal.


So I reach out to PM and Business team to rediscuss with this topic and express my concern.

We want users to keep their money in our app to encourage more spending. Adding a cash-out feature at ATMs would damage this business goal.


So I reach out to PM and Business team to rediscuss with this topic and express my concern.

Overview

ATMs has always been one of the top three methods for PayPay users to top up their balances, with around 80% of users choosing this method. Now, we want to introduce more ATM-related features - allowing users to cash out their balances.

ATMs has always been one of the top three methods for PayPay users to top up their balances, with around 80% of users choosing this method. Now, we want to introduce more ATM-related features - allowing users to cash out their balances.

ATMs has always been one of the top three methods for PayPay users to top up their balances, with around 80% of users choosing this method. Now, we want to introduce more ATM-related features - allowing users to cash out their balances.

The Challenge

  • Keeping consistency across financial services since each has a different team and visual style

  • Different ATMs have their own flows and restrictions, so designing for all of them while maintaining a consistent user experience is a challenge

  • The experience involves operating both the ATM and a mobile phone, so making it clear and handling errors smoothly is another challenge

  • Keeping consistency across financial services since each has a different team and visual style

  • Different ATMs have their own flows and restrictions, so designing for all of them while maintaining a consistent user experience is a challenge

  • The experience involves operating both the ATM and a mobile phone, so making it clear and handling errors smoothly is another challenge

  • Keeping consistency across financial services since each has a different team and visual style

  • Different ATMs have their own flows and restrictions, so designing for all of them while maintaining a consistent user experience is a challenge

  • The experience involves operating both the ATM and a mobile phone, so making it clear and handling errors smoothly is another challenge

How I solve it

  • Conduct a UX audit of all related screens and perform a competitive analysis.

  • Visit an ATM to operate the whole process myself, identify pain points, and work towards creating a seamless experience.

  • Map out all ATM and app screens to pinpoint areas where users are most likely to make mistakes and address these issues directly.

  • Conduct a UX audit of all related screens and perform a competitive analysis.

  • Visit an ATM to operate the whole process myself, identify pain points, and work towards creating a seamless experience.

  • Map out all ATM and app screens to pinpoint areas where users are most likely to make mistakes and address these issues directly.

  • Conduct a UX audit of all related screens and perform a competitive analysis.

  • Visit an ATM to operate the whole process myself, identify pain points, and work towards creating a seamless experience.

  • Map out all ATM and app screens to pinpoint areas where users are most likely to make mistakes and address these issues directly.

🤯 After sharing the design concepts with the team, I got some feedback!

It's not quite like PayPay's style or typical Japanese design—it's too quiet and minimalist —but I have a different view. After a week of discussions, we decided to do user testing to see which ideas to take forward.

Since this testing aims to evaluate the visual aspects, we are focusing on the layout and the feelings or impressions users have when they view the screen.

Since this testing aims to evaluate the visual aspects, we are focusing on the layout and the feelings or impressions users have when they view the screen.

Since this testing aims to evaluate the visual aspects, we are focusing on the layout and the feelings or impressions users have when they view the screen.

After testing with 8 users, we have identified the concepts we want to explore further.

Additionally, at the end of the design process

Additionally, at the end of the design process

Additionally, at the end of the design process

I mapped out all the possible error cases throughout the user journey. Since this experience also involves the ATM screen, we need to ensure that users understand what is happening and what actions to take on both their mobile phone and the ATM.

It is now in development, and I am excited to see how users interact with this feature and to monitor the performance metrics.

Smartphone ATM

Smartphone ATM

Smartphone ATM

Expand ATM services to deliver a fully integrated and seamless financial experience.

Expand ATM services to deliver a fully integrated and seamless financial experience.

Expand ATM services to deliver a fully integrated and seamless financial experience.

Timeline

Timeline

2024.06 - 2024.12

2024.06 - 2024.12

Responsibility

Responsibility

  • End to end UI/UX design

  • User research

  • End to end UI/UX design

  • User research

Company

Company

PayPay

PayPay

Reflection

During this project, I’ve learned some important lessons.

  • If the requirements seem questionable, don’t hesitate to speak up. Addressing these concerns could benefit the company and help achieve business goals.

  • Since everyone has a different perspective, focus on using factual evidence to make your points more persuasive and effective.

  • When working with multiple devices or integrating financial services, hands-on testing and observation are crucial. Skipping this step may cause you to overlook important issues.

During this project, I’ve learned some important lessons.

  • If the requirements seem questionable, don’t hesitate to speak up. Addressing these concerns could benefit the company and help achieve business goals.

  • Since everyone has a different perspective, focus on using factual evidence to make your points more persuasive and effective.

  • When working with multiple devices or integrating financial services, hands-on testing and observation are crucial. Skipping this step may cause you to overlook important issues.

During this project, I’ve learned some important lessons.

  • If the requirements seem questionable, don’t hesitate to speak up. Addressing these concerns could benefit the company and help achieve business goals.

  • Since everyone has a different perspective, focus on using factual evidence to make your points more persuasive and effective.

  • When working with multiple devices or integrating financial services, hands-on testing and observation are crucial. Skipping this step may cause you to overlook important issues.

This is the project summary. Feel free to contact me for more details. ✉️

Chang Yu, a product designer working in a cross-cultural environment, always eager to learn new thing and love to talk with people and explore the world 🌍

Email:

ryanchyy@gmail.com

All Rights Reserved, Copyright © 2024 by Chang Yu.

Made with love and Four Season Teas (30% sugar, less ice).

Chang Yu, a product designer working in a cross-cultural environment, always eager to learn new thing and love to talk with people and explore the world 🌍

Email:

ryanchyy@gmail.com

All Rights Reserved, Copyright © 2024 by Chang Yu.

Made with love and Four Season Teas (30% sugar, less ice).

Chang Yu, a product designer working in a cross-cultural environment, always eager to learn new thing and love to talk with people and explore the world 🌍

Email:

ryanchyy@gmail.com

All Rights Reserved, Copyright © 2024 by Chang Yu.

Made with love and Four Season Teas (30% sugar, less ice).

🙌
As a result, we decided to move this feature to the backlog and focus on other services first — adding bank withdrawals and deposits.

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Smartphone ATM

Smartphone ATM