Content Comparison

POS Test Plan

Name of persona + description

Name of the core journey + description

Why this journey was selected + how you selected this journey

Name of persona + description

Name of the core journey + description

Why this journey was selected + how you selected this journey

Name of persona + description

Name of the core journey + description

Why this journey was selected + how you selected this journey

Name of persona + description

Name of the core journey + description

Why this journey was selected + how you selected this journey

Name of persona + description

Name of the core journey + description

Why this journey was selected + how you selected this journey

Name of persona + description

Name of the core journey + description

Why this journey was selected + how you selected this journey

Name of persona + description

Name of the core journey + description

Why this journey was selected + how you selected this journey

Retail business owner

Make a purchase transaction

This journey is traditional to this retail businesses as it’s their primary method for collecting payment

POS Agent

Make a withdrawal transaction

This journey was selected because its one of the most important aspect and revenue generator for a POS Agent

Retail business owner & POS Agent

Accept a POS transfer

Journey allows businesses receive transfers on their terminals

Retail business owner

View history & print receipt

This journey is integral for transaction integrity and transparency

POS Agent

Make a deposit transaction

One of the goals of Agency banking is to ease banking by extending banking services to areas where physical banks are not present for convenience. This journey is essential for facilitating that convenience

Retail business owner & POS Agent

Print End-Of-Day Summary

This journey was selected because Business owners rely on this for bookkeeping

A customer that recently made a transaction of N15,000.00, has come to ask you for a re-print of that receipt. Proceed to give the receipt

Note: imagine this to be a POS terminal

A customer has come to you to withdraw money. What would you do?

Note: imagine this to be a POS terminal

A customer comes to your store, buys some items and wants to make payment for those items using a debit card. What will you do?

Note: imagine this to be a POS terminal

Accept N20,000.00 from Lawrence Hassan

Note: imagine this to be a POS terminal

A customer has come to you to deposit money into a beneficiary account. What would you do?

Note: imagine this to be a POS terminal

It's the close of day and you want to print the summary report for the day for bookkeeping, what would you do?

Note: imagine this to be a POS terminal

Indicate the total number of users involved (5 - 8 participants Participants per journey).

Include relevant demographic information such as age range, gender, location, experience level, job role, familiarity with the product, or other factors depending on the target audience.

Describe the criteria used for selecting participants. Were they existing users, new users, or a mix of both?

• 18 - 34 years

• Lives in Nigeria

• Business owner/Sales Rep/Others

• Good internet speed

• Have used or not used a POS terminal

• Lives in Nigeria

• Has basic tech knowledge

Taiwo

31

Sales Manager (Hospitality) & Business Owner (Cosmetics)

Moderate

Uses mobile banking apps (GTBank, Access Bank) for daily transactions and a POS terminal for customer payments. Prefers platforms that offer quick, reliable transfers and clear transaction histories.  

Android phone (Tecno Camon 16Oppo) 

Chinedu Taiwo is a seasoned Sales person having experienced working in both Retail and Agency banking businesses. Her day-to-day heavily relies on his POS terminal for business operations and uses fintech apps to track transactions. He is often frustrated by network downtime with POS systems and values transparency in fees. Easy-to-read transaction reports and the ability to quickly reconcile daily sales are critical for his businesscollecting payments and facilitating transactions. She prefers platforms that offer quick, reliable transactions and dispute resolution.

HalimaEmmanuel

27 32  

Market traderBusiness Owner (Retail)

LowHigh

Uses mobile money apps like OPay and PalmPay for personal savings, transfers, and accepting payments from customers. Not particularly tech-savvy, but uses these services due to their ease of access and lower transaction fees compared to traditional banks.

Android phone (Infinix Hot 10)

Halima needs simple, straightforward fintech solutions with minimal steps to complete transactions. She Moniepoint banking for business transactions. He uses Moniepoint primarily due to the ease of onboarding and the ability to use his business name as the account name

IPhone 13 Mini

Emmanuel relies on fast and seamless fintech solution for collecting payments. He values reliability, especially when receiving payments from customers. She finds features like SMS confirmations and immediate access to funds critical for trust in the service.

TundeSophia

4024

Corporate accountant (mid-sized firm)  Sales Rep

High

Uses digital banking platforms and business fintech solutions for managing payroll, supplier payments, and invoicing. Regularly interacts with multiple banking platforms for business transactions.  Has avid experience using POS terminals. She uses Palmpay POS terminal to collect payments

Windows laptop, iPhone 13IPhone 8

Tunde requires fintech solutions that streamline business transactions and offer integration with accounting software. He values features like automated invoicing, bulk payments, and detailed reporting, but he finds it frustrating when banking platforms lack API integrations with their business software. Efficiency and robust security features are critical for business operations.Platform reliability, dispute resolution, efficient and responsive customer service is primary for Sophia

AmakaOla

2227

NYSC corp member (service year)  Director (Beauty & Cosmetics)

High

Primarily uses personal traditional banking apps like Kuda and ALAT for saving, budgeting, and personal transfers. Also utilises fintech apps for peer-to-peer transfers and mobile payments.for paying for inventory purchase and collecting payments from customers

Android phone (Samsung A32)IPhone 15

Amaka prefers fintech apps that offer budgeting tools and savings features. She values gamification and rewards systems, such as cashbacks and referral bonuses, to increase engagement. Her main frustration comes from long transaction processing times or unexpected app downtimes. Security and user-friendly onboarding are important factors for her trust in the app.

Ola is particular about platform reliability and instant transaction reconciliation most especially when she is showcasing her business in a fast-paced marketplace like Trade fairs. Ola prefers simplicity to ease the learning curve for new employees

Haruna

36

Business Owner (Retail & Agency)

Moderate

Relies heavily on mobile money apps like Paga and Moniepoint to run his POS business, facilitating cash withdrawals, deposits, and transfers for customers. He also uses traditional banking apps for reconciling the daily balance. Uses Moniepoint POS for retails and agency transactions. He uses Moniepoint because of platforms

Android phone (Itel A56Tecno)

Babatunde’s biggest concern is the reliability of the fintech app or platform, especially in high-traffic areas. He prefers platforms with low transaction failure rates and quick settlement times. Instant customer support is crucial when POS systems encounter issues, and he values platforms with lower transaction fees.

He uses Moniepoint POS because of the platform’s network reliability, transaction dispute resolution and speedy reconciliation. Whilst he is able to resolve some frequent issues that arise in the course of collecting payments, for other issues, he relies on his account manager

97

29.6s

100%

• Users found the withdrawal process generally intuitive and easy

• They had no difficulty in reading and understanding the texts during the task as they were legible and bold

• There was no challenge with the colour scheme and had no additional comments

86.7

34.6s

83%

• 1 user dropped off due to network

• Users found the purchase process generally intuitive and easy

• One user explained that it was easy because an account manager had already explained how it works

• The “Default Account” option when selecting an account type, particularly stood out as helpful because that way customers are not asked for their account type all the time

• They had no difficulty in reading and understanding the texts during the task

• There was no challenge with the colour scheme and had no additional comments as everything was straight forward

85.4

28.8s

100%

• Users found the process generally intuitive and easy

• They had no difficulty in reading and understanding the texts during the task

• There was no challenge with the colour scheme and had no additional comments

85

29.1s

100%

• Users found the process generally intuitive and easy

• They had no difficulty in reading and understanding the texts during the task

• There was no challenge with the colour scheme

• Whilst there was complaint generally, one user suggested we explore simplicity for the dashboard user interface

• 1 user suggested a more simplified user interface for the dashboard. Made reference to the MPOS style UI

93

1m 4s

100%

• Users found the process generally intuitive and easy

• 1 user found it confusing as there were two features with the transfer name

• They had no difficulty in reading and understanding the texts during the task

• There was no challenge with the colour scheme

• Took 4s longer than expected due to Participants network

74.2

2m 44.5s

100%

• 1 user expected the feature to be in “admin”, didn’t think it would be in “services“.

• Users had difficulty finding the feature suggesting that it shouldn’t be in “services“

• The difficulty find the feature led to the extended time in completing the task