Payments made simple and social

You’ve just had a great dinner with your friends, and your friends ask you to settle the bill. Being a good samaritan, you agree to do it, but following up with your friends for their share of the bill is a daunting task. We have all been there and we know how awkward it can get.

Citrus Payments is a leading payment gateway and consumer wallet in the country and was acquired by Naspers group in a $130 million all-cash deal.

The idea was to make this platform a digital equivalent of one’s wallet and ease personal finances between groups of people.

We worked with the product and technology team to define the product through a series of product strategy & design workshops. We created the product architecture/workflows and designed the User Interface for the application. The idea was to gather P2P payments (friends, cab drivers, grocers, even the local tea stall), splitting bills, pooling money and sending virtual gifts onto one platform and to make this platform the digital equivalent of one’s wallet.

Unlike most projects, luckily for this one, we represented their target audience.

The company wanted to enter the consumer payments market with a mobile app aimed at becoming a one-stop payment solution for Indians between 18 and 30 years of age. This meant that every member on the Parallel team was part of the target demographic and a potential user persona who reflected a different background, spending habits and lifestyle.

With four modules that included P2P payments, Bill Splitting, Pooling Money and Gifting, we had a complex information architecture which needed to be simplified. At the same time, there were numerous edge cases to be accounted for while keeping the information architecture simple.

From paying the cab driver to pooling money for a birthday party, we wanted the app to be the user’s daily companion.

After extensive research about the trends in payments apps across the world like Venmo, Square and Snapcash, we came to the conclusion that 'Chat' should be at the core of the User Experience. We also found that handling payments in groups became far less awkward between people, thanks to the element of interpersonal relationships introduced through chats.

The goal was to use chat as the core of the experience and to try to make it as simple as Whatsapp.

Since much of the app’s purpose is to ease personal finances between intimate groups of people, we came up with an idea to bring in micro-gifting in the mix to add stickiness to the app.

The idea was to let people express themselves by treating their friends with a virtual gift along with money transferred to their wallet. We made it fun using illustrated icons representing the gift and trying to create the joy of actually opening a gift with animated transitions and confetti.

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At Parallel, we design digital products for innovative startups and enterprises. Translating an idea into a concept or improving the user experience of a product, we have got your back. Drop us a message to know more, and we will get in touch.

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