MasterCard App
MasterCard is an AI-powered card management app designed to simplify the way users handle various cards, from payment to loyalty programs. Features integrated management, allowing users to centralize their cards in one app for ease of access and control. Utilizes AI for automatic card sorting, labeling, and provides personalized suggestions based on users' consumption patterns. Offers intelligent reminders and voice command functionalities to enhance user experience and efficiency. Prioritizes data privacy and security with strong encryption and authentication measures.
The current market is saturated with card management apps like Apple Wallet, Google Pay, and Stocard, etc. They offer limited functionalities focusing mainly on payment and storage.
Users frequently need to navigate multiple apps to manage their cards, leading to a complicated and time-consuming process.
There is a growing demand for a more integrated, intelligent solution that can offer a unified platform for managing various types of cards.
MasterCard is developed to address these challenges by leveraging AI to provide a more streamlined, personalized, and secure card management experience.
Competitor
Card Storage:All apps allow users to store various types of cards, including credit, debit, loyalty, and event tickets, digitally on their smartphones.Payment Functionality:Apple Wallet, Google Pay, and Alipay offer contactless payment functionality, allowing users to make payments using stored cards.Cross-Platform Availability:While Apple Wallet is exclusive to iOS devices, Google Pay and Stocard are available for both iOS and Android devices, providing cross-platform accessibility to users.Additional Features:Stocard and Google Pay offer additional features such as personalized offers and digital receipts to enhance the user experience.Financial Services:Alipay stands out as a comprehensive mobile payment platform that provides a wide range of financial services beyond card storage, including personal finance management.
Survey & Insight
Common problems users encounter in card management:
There are too many cards and management is difficult. Some cards are forgotten, causing the cards to expire.Late payment and incurring additional fees.Missed opportunities to accumulate reward points or enjoy benefits using your card.
Intelligent reminders and comprehensive management are the most popular features in AI card management applications, with intelligent reminders being the top priority feature, accounting for 75%. Data privacy and security are also the top concerns for 50% of respondents.
Interviews
Research Summary
Large Number of Cards
Bill and Repayment management
Missed Rewards and Offers
Lost Cards and Security Issues
Problem
Multi-card integrated management
Intelligent reminder
Automatic card sorting
Personalized recommendations
Powerful security features
Needs
Persona 1
Jesse is a doctor. Currently working in a hospital and earning a considerable income. He is usually very busy and tired from work. Frustration is common when it comes to card management.
Work is busy and there is not enough time to manage each card, resulting in late bills or delayed payments.
Facing complex financial situations, including high student loan debt, health insurance, and tax issues. Don't know how to manage it.
Physicians have higher incomes and financial resources, making them easy targets for identity theft and financial fraud.
Frustrations
Make sure to pay your credit card bills on time to build and maintain a good credit history.
Manage all debts and make sure they are paid on time.
Keep card information and financial data secure to prevent identity theft and fraud.
Regularly review card activity to ensure there are no errors or unauthorized transactions.
Goals
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Profile name
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Persona 2
Kara is a housewife with two children. She is responsible for the family's daily chores, taking her sister to and from school, and taking care of her younger brother at home. In addition, he is responsible for the financial management of the family.
There are too many cards at home and it is inconvenient to manage. Frequently forgetting to make payments or activate replacement cards.
Deadlines for certain card benefits are often missed.
Frustrations
Set up automatic payments and reminders to avoid missed payments and late fees.
Smart reminder card benefit expiration date or time when replacement card needs to be activated.
Close or cancel cards that are rarely used or don’t benefit from through smart analytics.
Based on the card's annual fee and benefits, the best payment suggestions can be given.
Goals
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Profile name
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Prototype
Conclusion
During this project, I learned the importance of integrating artificial intelligence technology to enhance the user experience of card management applications. As a UI/UX designer, I will focus on ongoing user research and testing to refine the application's functionality and interface. Additionally, I prioritize accessibility and inclusivity in design, ensuring the app meets the needs of a variety of users. If given the opportunity I will work closely with developers to explore opportunities to leverage emerging technologies and improve application performance and functionality.
