Reflections – Prototype

Our reflections of the prototype phase

We went hard in on our work with the prototype, and had a very clear idea of what we wanted to create for our users.

In hindsight this may have made us more “stuck” and closed off to other possibilities and ideas.

In the design process we have learned that all ideas are welcomed, and we should never say “no” to suggestions. But we might have lost a little of this on the way to our prototype, and we all wanted to stick with the idea we had in mind.

We all agree that we should have tried out more and different solutions, but in the end we were satisfied with how the prototype turned out.

Prototype – Smart Card

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.

See our prototype here and our prototype video  here

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.

 

 

Selecting Ideas

After the process of generating ideas, it was now time for the selection of ideas.

We did this by giving each of the ideas points. All group members gave each of the ideas points from 1-5, and then we sorted them based on which idea had the most/least points.

After this, we were left with three ideas that we wanted to explore further.

The first idea we came up with was a service to provide the basics like food and clothes”. This could be something similar to “Adams Matkasse” where students could buy a start-up package with food and clothes, and maybe other basic items.

The second idea was an app for showing students on what and where they spend their money. The idea behind this is to make students more aware of their spendings, and maybe help changing bad habits.

The third idea in our top three was an app for showing students how much they could’ve saved if they followed a set budget.

Later we decided that we wanted to remove the third idea, and switch it out with something more creative and fun. We came up with the idea of a student bank card, which is connected to an app. In the app they can set a limit for how many times they can use the card in certain stores. For instance, they can only use the card in Rema 1000 four times a month, which would force them to plan and maybe buy food for the whole week. They could also set a limit for take-out shops, or clothing stores for limiting their own spending, which again will force them to remove bad habits. We could also see this card having different possibilities, such as micro save where a small set amount is transferred to a savings account each time you use the card.

We then sat down together, and talked about the pros and cons of each of the ideas, and which of the ideas we wanted to work further with.

We then chose the Smart Card idea  because we feel that it’s more helpful for the students, and it´s the idea that actually solves the problem in our problem definition. We can see from the data we have previously gathered, that students make a lot of unnecessary buys and maybe we can help them by “forcing” them to limit their spendings through the Smart Card app. It might be easier to limit your spendings and managing your budget, if you have some actual limits you have to pay attention to.

When you can see the numbers on a screen, and it becomes more tangible, it’s easier to acknowledge.

We think that the Smart Card idea can help the students with changing their behaviours and getting better control of their budgets.