Through the empathy phase, define phase, and ideate phase the Smart Card was born.
This prototype is made with all the data we have previously gathered in mind. The most important thing is that it actually solves the problem we have earlier defined. “How can we help students with changing their spending behaviours, and having better control of their budgets?”
With the Smart Card and app, the users are “forced” to limit their spendings, and controlling their budgets. Of course they are not actually forced, and can choose to for example use a different card instead, but we think that when you have some incentive to help you, it’s easier to be more aware of your actions and change them accordingly. We think that this prototype will help students with changing their spending behavoiurs and also get better control of their budgets.
Our idea consists of an app, and a pre-paid credit card called the Smart Card. The app is not connected to an already excisting bank account, or credit card. After registrering in the app the user will receive a card in the mail. The card will work as a pre-paid credit card, where the user will have to transfer money from their personal bank accounts and over to this card. It will work similar to a gift card, with greater options for controlling your spendings.
In the app you have the option of setting limits for how many times you can use the card, and see your spending habits. Which is over a period of seven days. Each limit lasts seven days after activated. So you can choose to only be able to use your card a certain amount of times during the next seven days.
When first registrering, the user have to verify themself with electronic ID, such as Bank ID. And later when logging in, they have to add a personal four digit code which have to be entered everytime loging in. This is because security is very important, and have to be taken seriously.
We went with a very colorful theme for our app, and this is because colors are great for catching the eye, and creating an exciting theme. We want the users to be excited when using our app, and to be nice looking as well.
We started our prototype process by talking about what we think is important to have in our prototype, and how we can make it fun and easy for the user. We worked together with Adobe XD, and made some first drafts. At first we didn´t focus that much on things like security, but made that a much bigger part of the app in our final version. We also changed the design several times. Some of our group members wanted the app to be very plain, and only focus on the functions, and other groups members wanted the app to be very colorful and fun. We decided on the more colorful version, with the option of toning it down if needed.
It was very fun to try out adobe XD, and see our idea coming to life. We think it was a great learning experience, and really helped us being creative.
Before we decided on this theme we also tried out several different other looks. But we found that both of these looks (under) was too colorful and too distracting. But it was a good process to create several different themes, and then decide together what we think would look the best for the end user.
We think that over all our prototype is easy and understandable for the user, and we hope that we can get helpful insights and feedback from our testing.
We have also made a prototype for our credit card.