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Persona

Core journey

Rationale

Keneth Kenneth Etuk
QA analyst

Create Flexible Savings.
Flexible savings let users save money with easy access to funds, offering flexible deposits, withdrawals, and goal management without penalties.

This is an important flow for user to be able to save, without this flow user cannot save or earn interest.

Inemesit udo
IT professional

Create Locked Savings.
Locked savings require deposits for a certain period, offering higher interest rates but limiting withdrawals until maturity, promoting long-term saving.

This is an important flow for user to be able to save, without this flow user cannot save or earn interest.

Anthony
Student

Create Fixed Savings.
Fixed savings offer a set interest rate on deposits for a fixed term, with no withdrawal until maturity, ensuring secure long-term savings.

This is an important flow for user to be able to save, without this flow user cannot save or earn interest.

Hussein
Graphic Designer

Top-up Savings.
Top-up into savings lets users add funds to their accounts anytime, boosting their savings goals and interest earnings.

This is an important flow for user to be able to boost their savings goals and interest earnings.

Vincent
Software Engineer

Withdraw from Savings.
Withdraw from savings allows users to access and transfer funds from their savings, offering financial flexibility.

This is an important flow for user to be able to transfer funds from their savings.

Taiwo
Student

Withdraw from Savings.
Withdraw from savings allows users to access and transfer funds from their savings, offering financial flexibility.

This is an important flow for user to be able to transfer funds from their savings.

Abubakar
Small business owner

Manage Savings.
Manage savings lets users track, adjust, and optimize their savings and goals for effective financial planning.

This is an important flow for user to be able to adjust, and optimize their savings and goals for effective financial planning.

Favour
Student

Cancel Savings.
Cancel savings lets users close their savings and access remaining funds, ending their savings commitment.

This is an important flow for user to be able to close their savings and access remaining funds.

Adesina
Office manager

Break Savings.
Break savings lets users withdraw from locked savings before maturity, often incurring a penalty.

This is an important flow for user to be able to withdraw from locked savings before maturity, often incurring a penalty.

Maryam
Small business owner

Rollover Savings.
Rollover savings lets users transfer funds from a maturing account to a new one, usually preserving interest rates.

This is an important flow for user to be able to transfer funds from a maturing account to a new one.

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Persona

Core journey

Rationale

Hafsat
Small business

Create Flexible Savings.
Flexible savings let users save money with easy access to funds, offering flexible deposits, withdrawals, and goal management without penalties.

This is an important flow for user to be able to save, without this flow user cannot save or earn interest.

Michael
Work/small business

Create Locked Savings.
Locked savings require deposits for a certain period, offering higher interest rates but limiting withdrawals until maturity, promoting long-term saving.

This is an important flow for user to be able to save, without this flow user cannot save or earn interest.

Mfonido
Accountant

Create Fixed Savings.
Fixed savings offer a set interest rate on deposits for a fixed term, with no withdrawal until maturity, ensuring secure long-term savings.

This is an important flow for user to be able to save, without this flow user cannot save or earn interest.

Joseph
Small business

Top-up Savings.
Top-up into savings lets users add funds to their accounts anytime, boosting their savings goals and interest earnings.

This is an important flow for user to be able to boost their savings goals and interest earnings.

Daniel
IT support/small business

Withdraw from Savings.
Withdraw from savings allows users to access and transfer funds from their savings, offering financial flexibility.

This is an important flow for user to be able to transfer funds from their savings.

Bola xchange
Small business

Withdraw from Savings.
Withdraw from savings allows users to access and transfer funds from their savings, offering financial flexibility.

This is an important flow for user to be able to transfer funds from their savings.

Abubakar
Small business owner

Manage Savings.
Manage savings lets users track, adjust, and optimize their savings and goals for effective financial planning.

This is an important flow for user to be able to adjust, and optimize their savings and goals for effective financial planning.

Haminat
Small business

Cancel Savings.
Cancel savings lets users close their savings and access remaining funds, ending their savings commitment.

This is an important flow for user to be able to close their savings and access remaining funds.

Adesina
Office manager

Break Savings.
Break savings lets users withdraw from locked savings before maturity, often incurring a penalty.

This is an important flow for user to be able to withdraw from locked savings before maturity, often incurring a penalty.

Maryam
Small business owner

Rollover Savings.
Rollover savings lets users transfer funds from a maturing account to a new one, usually preserving interest rates.

This is an important flow for user to be able to transfer funds from a maturing account to a new one.

Adetunji Kabir
Small business

Create SAYT.
Rollover savings lets users transfer funds from a maturing account to a new one, usually preserving interest rates.

This is an important flow for user to be able to transfer funds from a maturing account to a new one.

AOL lukash innovation
Small business

Withdraw from SAYT.
Rollover savings lets users transfer funds from a maturing account to a new one, usually preserving interest rates.

This is an important flow for user to be able to transfer funds from a maturing account to a new one.

Labake Ayeni
Small business

Manage SAYT.
Rollover savings lets users transfer funds from a maturing account to a new one, usually preserving interest rates.

This is an important flow for user to be able to transfer funds from a maturing account to a new one.

Test environment

Note

Delete this info panel, this is only for guidance.

Outline the approach you took - wether it was moderated or unmoderated test, remote or in-person, which platform it was performed on (mobile, web, POS), interactive prototypes or testing account, etc.

[insert text here]

Tasks

Note

Delete this info panel, this is only for guidance.

Provide details on the tasks participants were asked to complete. Ensure tasks align with real-world scenarios that users of the product would encounter.

[insert text here]Interactive figma prototypes of the product was the product was tested on mobile and desktop devices in a remote and unmoderated setting. However testers had the liberty to ask questions when required.

Tasks

Core journey

Tasks

Create flexible savings

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

Create locked savings

Create fixed savings

Topup savings

Withdraw from savings

Manage savings

Cancel flexible savings

Break Savings

Participants

Participant information

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Number of participants

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

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Demographics

...

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.

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Selection criteria

...

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

Participant profiles

Note

Delete this info panel, this is only for guidance.

If applicable (otherwise delete section), provide a few short participant profiles to offer context - see examples below.

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Participant A

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Chinedu

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Age

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35

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Occupation

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SME owner (fashion retail)  

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Tech savviness

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Moderate

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Fintech usage

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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.  

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Primary devices

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Android phone (Tecno Camon 16) 

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Key insights

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Chinedu 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 business.

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Participant B

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Halima

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Age

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27  

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Occupation

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Market trader

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Tech savviness

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Low

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Fintech usage

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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.

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Primary devices

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Android phone (Infinix Hot 10)

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Key insights

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Halima needs simple, straightforward fintech solutions with minimal steps to complete transactions. She 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.

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Participant C

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Tunde

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Age

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40

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Occupation

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Corporate accountant (mid-sized firm)  

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Tech savviness

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High

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Fintech usage

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Uses digital banking platforms and business fintech solutions for managing payroll, supplier payments, and invoicing. Regularly interacts with multiple banking platforms for business transactions.  

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Primary devices

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Windows laptop, iPhone 13

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Key insights

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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.

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Participant D

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Amaka

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Age

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22

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Occupation

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NYSC corp member (service year)  

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Tech savviness

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High

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Fintech usage

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Primarily uses personal banking apps like Kuda and ALAT for saving, budgeting, and personal transfers. Also utilises fintech apps for peer-to-peer transfers and mobile payments.

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Primary devices

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Android phone (Samsung A32)

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Key insights

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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.

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Participant D

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Babatunde

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Age

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50

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Occupation

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POS operator  

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Tech savviness

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Moderate

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Fintech usage

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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.

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Primary devices

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Android phone (Itel A56)

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Key insights

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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.

Recruitment process

Note

Delete this info panel, this is only for guidance.

  • Participants were selected based on specific demographic criteria to ensure representation of the target audience.

  • Recruitment channels included [insert recruitment methods: online panels, customer database, etc.].

  • Screeners were used to ensure participants met the following criteria:
    - regularly interact with [specific technology/product. type]
    - other criteria related to the specific test such as being a current customer, not being a customer, using a competitor’s product, etc.

[insert text here]

Usability metrics and results

Success rate definition

Note

Delete this info panel, this is only for guidance.

Success criteria:

  • A task is considered successful if the participant completes it as intended within the defined parameters, without assistance, and within a reasonable time frame.

  • Define clear success criteria for each task, such as reaching a specific page, completing a transaction, or filling out a form correctly.

Measurement:

  • Success rate will be calculated as the percentage of participants who successfully complete each task according to the predefined criteria.

SUS score

SUS is a standardised questionnaire used to measure the usability of a product, using a 10 questions 5-point scale to generate a score between 0 and 100, with higher indicating higher usability.

The average SUS score is typically 68. A score of 68 or higher is generally considered acceptable or better than average. Above 70 is good, and above 80 is excellent.

...

Time on task

user with interest of creating a flexible savings plan, has to navigate to savings sections, select a flexible savings, Enter details of savings, review terms and condition and then create plan.

Create locked savings

A user with interest of creating a locked savings plan, has to navigate to savings sections, select a locked savings, Enter details of savings, review terms and condition and then create plan.

Create fixed savings

A user with interest of creating a fixed savings plan, has to navigate to savings sections, select a fixed savings, Enter details of savings, review terms and condition and then create plan.

Topup savings

A user with interest of toping up a savings plan, has to navigate to savings sections, select savings plan, click on topup and enter amount, enter transaction pin and confirm.

Withdraw from savings

A user with interest of withdrawing from a savings plan, has to navigate to savings sections, select savings plan, click on withdraw and enter amount, enter transaction pin and confirm.

Manage savings

A user with interest of adjusting a savings plan, has to navigate to savings sections, select savings plan, click on manage and update plan and confirm.

Rollover savings

A user with interest of rolling over their savings has to navigate to the saving section, select savings plan, clicks on continue saving, selects partial or full rollover, updates target date and target amount and updates plan, then confirm.

Cancel flexible savings

A user with interest of cancelling a flexible savings plan, has to navigate to savings sections, select savings plan, click on the kebab menu, click on cancel flexible plan, enter transaction pin and confirm.

Break Savings

A user with interest of breaking a savings plan, has to navigate to savings sections, select savings plan, click on the kebab menu, click on break savings, select reason of breakage, enter transaction pin and confirm.

Create SAYT

A user with interest of creating a save as you transact savings plan, has to navigate to savings sections, select SAYT savings, Enter details of savings, review terms and condition and then create plan.

Withdraw from SAYT

A user with interest of withdrawing from SAYT plan, has to navigate to savings sections, select savings plan, click on withdraw, enter transaction pin and confirm.

Manage SAYT

A user with interest of adjusting a SAYT plan, has to navigate to savings sections, select savings plan, click on settings button, update plan and confirm.

Participants

Participant information

Number of participants

  • 5-8 participants per journey

Demographics

  • 18 - 34 years old

  • Based in Nigeria

  • Male and Females

  • Student, Employed and Unemployed

  • Has no experience with Moniepoint

  • Has no familiarity with the product

  • Has saved before on other platforms

Selection criteria

  • Banks elsewhere, not with Moniepoint

  • Lives anywhere in Nigeria 

  • Has low to high levels of education and tech skill

  • May have immediate need of financial support

  • May have saved before

  • Interested in saving

Participant profiles

Participant A

Kenneth

Age

39

Occupation

QA Ananlyst, Akwa Ibom

Tech savviness

Experienced

Fintech usage

Uses mobile banking apps (GTBank, Access Bank) for daily transactions.

Primary devices

Android phone

Key insights

Kenneth is a QA analyst, uses gtbank to save earnings on a monthly basis, saves foe emergencies, kids school fees and towards buying a landed property.

Participant B

Maryam

Age

25, Abuja

Occupation

Trader (Manages mums business)

Tech savviness

Low

Fintech usage

Uses apps like MTN, Zenith and Gtbank

Primary devices

Iphone

Key insights

Maryam keeps part of her earnings in Zenith bank and only uses when an urgency arises. She shows interest in savings with any company that offers good interest rate.

Participant C

Anthony

Age

28, Lagos

Occupation

Student/works for Uncle  

Tech savviness

High

Fintech usage

Primarily uses personal banking apps like Gtbank for saving, budgeting, and personal transfers. Also utilises fintech apps like Opay for peer-to-peer transfers and mobile payments.

Primary devices

iPhone 13

Key insights

Anthony uses inventory system in supermarket he works to efficiently track, manage, and control stock levels, ensuring that products are available for customers while minimizing overstock and reducing losses due to spoilage, theft, or mismanagements. User also saves part of salary with his uncle.

Participant D

Hussien

Age

29

Occupation

Graphic Designer, Lagos

Tech savviness

High

Fintech usage

Primarily uses personal banking apps like Gtbank saving, budgeting, and personal transfers.

Primary devices

Android phone

Key insights

He diligently saves 30-40% of his salary monthly, locking money away for long-term goals like house rent, internet, and airtime for the year, while also participating in a monthly and weekly "Ajo" contribution, where he prefers to be the last to receive funds, invests in his mother's business with no interest, leaves a portion of his salary for emergencies, and is interested in low-risk investments and the Nigerian stock market, as well as FX if the market stabilizes.

Participant E

Hafsat

Age

24, Abuja

Occupation

Student/Works

Tech savviness

Moderate

Fintech usage

Primarily uses personal banking apps like Zenith saving, budgeting, and personal transfers.

Primary devices

Android phone

Key insights

She participated in a year-long contribution with 12 fellow corpers to buy a phone, faced payment delays, doesn’t invest or save in FX, borrows from friends and repays fully, works a salaried job, saves part of her salary in Jaiz Bank (restricted for discipline), invests in gold, and her mother saves through AMANA for Salah; she’s interested in earning profit from savings.

Participant F

Michael

Age

38, Port-Harcourt

Occupation

Banker

Tech savviness

Moderate

Fintech usage

Primarily uses personal banking apps like Gtbank saving, budgeting, and personal transfers. and utilizes fintech apps like carbon for savings.

Primary devices

Android phone

Key insights

The user works a salaried job, saves monthly on the Carbon app toward a house and for emergencies, liquidates savings for urgent needs, has a joint savings account with his wife at FirstBank for emergencies, but faces issues with Carbon's lack of account statement downloads and joint account options with interest.

Recruitment process

For a savings product usability test, the recruitment process typically involved the following steps:

  • Defining User Profiles: We identified the target audience based on demographics such as age, income level, and familiarity with financial services, focusing on people who use or are likely to use savings products.

  • Criteria for Selection: Set specific inclusion criteria, such as experience with savings, digital literacy, and access to mobile or internet banking. Excluded participants who may have insider knowledge of savings product.

  • Sample Size: Recruited a balanced mix of users, typically 5–10 participants, ensuring diversity in age, tech-savviness, and geographic location within Nigeria.

Usability metrics and results

Success rate definition

SUS score

SUS is a standardised questionnaire used to measure the usability of a product, using a 10 questions 5-point scale to generate a score between 0 and 100, with higher indicating higher usability.

The average SUS score is typically 68. A score of 68 or higher is generally considered acceptable or better than average. Above 70 is good, and above 80 is excellent.

...

Time on task

The time it takes participants to complete each journey. Shorter times generally indicate better usability. This metric helps to measure efficiency.

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  • Create flexible savings: Users are expected to complete this journey within 3 minutes.

  • Create locked savings: Users are expected to complete this journey within 3 minutes.

  • Create fixed savings: Users are expected to complete this journey within 2 minutes.

  • Break savings plan: Users are expected to complete this journey within 2 minutes.

  • Cancel savings plan: Users are expected to complete this journey within 2 minutes.

  • Top up savings: Users are expected to complete this journey within 2 minutes.

  • Withdraw from savings: Users are expected to complete this journey within 2 minutes.

  • Manage savings: Users are expected to complete this journey within 2 minutes.

  • Rollover savings: Users are expected to complete this journey within 2 minutes.

  • Create SAYT plan: Users are expected to complete this journey within 2 minutes.

  • Pause SAYT plan: Users are expected to complete this journey within 1 minutes.

  • Change SAYT withdrawal frequency: Users are expected to complete this journey within 1 minutes.

  • Withdraw from SAYT savings: Users are expected to complete this journey within 2 minutes.

Success rate

Personal savings

  • Create flexible minutes.

Success rate

Personal savings

  • Create flexible savings: this journey is considered successful when customer is able to create the savings plan within 3 minutes with a success rate of 68% and above.

  • Create locked savings: this journey is considered successful when customer is able to create the savings plan within 3 minutes with a success rate is of 68% and above 68%.

  • Create locked fixed savings: this journey is considered successful when customer is able to create the savings plan within 2 minutes with a success rate is of 68% and above 68%.Create fixed

  • Break savings plan: this journey is considered successful when success rate is above 68%Break savings plan: this journey is considered successful when success rate is above 68%customer is able to break the savings plan within 2 minutes with a success rate of 68% and above.

  • Cancel savings plan: this journey is considered successful when customer is able to cancel the savings plan within 2 minutes with a success rate is of 68% and above 68%.

  • Top up savings: this journey is considered successful when customer is able to top-up the savings plan within 2 minutes with a success rate is of 68% and above 68%.

  • Withdraw from savings: this journey is considered successful when success rate is above 68%is considered successful customer is able to withdraw from the savings plan within 2 minutes with a success rate of 68% and above.

  • Manage savings: this journey is considered successful when customer is able to manage the savings plan within 2 minutes with a success rate is of 68% and above 68%.

  • Rollover savings: this journey is considered successful when customer is able to rollover the savings plan within 2 minutes with a success rate is of 68% and above 68%.

Business savings

  • Create flexible savings: this journey is considered successful when customer is able to create the savings plan within 3 minutes with a success rate is of 68% and above 68%.

  • Create locked savings: this journey is considered successful when customer is able to create the savings plan within 3 minutes with a success rate is of 68% and above 68%.

  • Create fixed savings: this journey is considered successful when customer is able to create the savings plan within 2 minutes with a success rate is of 68% and above 68%.

  • Break savings plan: this journey is considered successful when success rate is above 68%

  • Cancel savings plan: this journey is considered successful when success rate is above 68%

  • Top up savingscustomer is able to break the savings plan within 2 minutes with a success rate of 68% and above.

  • Cancel savings plan: this journey is considered successful when customer is able to cancel the savings plan within 2 minutes with a success rate is of 68% and above 68%.Withdraw from

  • Top up savings: this journey is considered successful when customer is able to top-up the savings plan within 2 minutes with a success rate is of 68% and above 68%.Manage

  • Withdraw from savings: this journey is considered successful when success rate is above 68%Rollover customer is able to withdraw from the savings plan within 2 minutes with a success rate of 68% and above.

  • Manage savings: this journey is considered successful when customer is able to manage the savings plan within 2 minutes with a success rate is of 68% and above 68%Create SAYT plan.

  • Rollover savings: this journey is considered successful when customer is able to rollover the savings plan within 2 minutes with a success rate is of 68% and above 68%.

  • Pause Create SAYT plan: this journey is considered successful when customer is able to create the savings plan within 2 minutes with a success rate is of 68% and above 68%.Change

  • Pause SAYT withdrawal frequencyplan: this journey is considered successful when customer is able to rollover the savings plan within 1 minute with a success rate is of 68% and above 68%.Withdraw from

  • Change SAYT savingswithdrawal frequency: this journey is considered successful when success rate is above 68%

Results

Personal savings

...

Core journey

...

SUS score

...

Time on task

...

Success rate

...

Comments

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Rollover savings

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72

...

2m 57.4s

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83%

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Journey seems easy to understand by users.

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Create fixed savings

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70.3

382m 56.5s

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71%

...

Result was skewed by a user that spent too much time answering SUS questionnaire.

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Create locked savings

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71.3

...

3m 25.1s

...

60%

...

40% of participant dropped off during prototype test

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Create flexible savings

...

69.7

...

37m 20.8s

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60%

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33% of participant dropped off during prototype test

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Break savings plan

...

70.7

5m 15.2s

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70%

...

The average time spent on the journey is a lot, a place to improve

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Cancel savings plan

...

76.3

2m 45.3s

60%

...

The low success rate may be attributed lots of drop-off at different points during the test.

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Top up savings

...

78.5

...

1m 29.3s

...

71%

...

flow was simple and straightforward based on feedback

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Withdraw from savings

...

67.1

2m 39.8s

88%

...

High success rate, but SUS score suggests journey can be improved

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Manage savings

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75.5

2m 7.3s

83%

...

The high success rate and SUS score suggests journey was easy and straightforward for users to achieve their goals

Business savings

...

Core journey

...

SUS score

...

Time on task

...

Success rate

...

Comments

...

Rollover savings

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70

1m 35.6s

75%

...

Flow looking straightforward and easy for users based on feedback

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Create fixed savings

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78

1m 51.4s

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83%

...

Journey seems smooth, no negative feedback

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Create locked savings

...

72.9

5m 18.1s

75%

...

Journey was smooth, but the time on task can be improved

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Break savings plan

...

77.1

1m 39.7s

100%

...

Journey seems smooth, no negative feedback

...

Create flexible savings

...

75.8

102m 32.7s

71%

...

Some testers were stuck at some point during the test, leading to them spending too much time to eventually achieve the flow

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Cancel savings plan

...

85.5

1m 26.9s

100%

...

Journey was easy for users, no negative feedback

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Top up savings

...

78.1

2m 1.9s

100%

...

Journey was easy for users, no negative feedback

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Withdraw from fixed savings

...

84.2

...

1m 30.6s

...

67%

...

Journey seems smooths, drop offs at the start and prototype sections highly skewed the results for the success rate

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Withdraw from locked savings

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78.8

...

1m 12.1s

...

86%

...

Flow looking straightforward and easy for users based on feedback

...

Withdraw from flexible savings

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72.9

...

3m 59.3s

...

  • considered successful when customer is able to change withdrawal frequency of the savings plan within 1 minutes with a success rate of 68% and above.

  • Withdraw from SAYT savings: this journey is considered successful when customer is able to withdraw from the savings plan within 2 minutes with a success rate of 68% and above.

Results

Personal savings

Core journey

SUS score

Time on task

Success rate

Comments

Rollover savings

72

2m 57.4s

83%

Journey seems easy to understand by users.

Create fixed savings

70.3

382m 56.5s

71%

Result was skewed by a user that spent too much time answering SUS questionnaire.

Create locked savings

71.3

3m 25.1s

60%

40% of participant dropped off during prototype test

Create flexible savings

69.7

37m 20.8s

60%

33% of participant dropped off during prototype test

Break savings plan

70.7

5m 15.2s

70%

The average time spent on the journey is a lot, a place to improve

Cancel savings plan

76.3

2m 45.3s

60%

The low success rate may be attributed lots of drop-off at different points during the test.

Top up savings

78.5

1m 29.3s

71%

flow was simple and straightforward based on feedback

Withdraw from savings

67.1

2m 39.8s

88%

High success rate, but SUS score suggests journey can be improved

Manage savings

75.5

2m 7.3s

83%

The high success rate and SUS score suggests journey was easy and straightforward for users to achieve their goals

Business savings

1m 56.0s

100%

1m 28.2s

56%

Core journey

SUS score

Time on task

Success rate

Comments

Rollover savings

70

1m 35.6s

75%

Flow looking straightforward and easy for users based on feedback

Create fixed savings

78

1m 51.4s

83%

Journey seems smooth, no negative feedback

Create locked savings

72.9

5m 18.1s

75%

Journey was smooth, but the time on task can be improved

Break savings plan

77.1

1m 39.7s

100%

Journey seems smooth, no negative feedback

Create flexible savings

75.8

102m 32.7s

71%

Some testers were stuck at some point during the test, leading to them spending too much time to eventually achieve the flow

Cancel savings plan

85.5

1m 26.9s

100%

Journey was easy for users, no negative feedback

Manage Top up savings

7778.51

1m 232m 1.2s9s

100%

Journey was easy for users, no negative feedback

Create SAYT plan

76.4

2m 34.7s

78%

Journey was easy for users, no negative feedback

Pause SAYT plan

72.5

32m 46

Withdraw from fixed savings

84.2

1m 30.6s

67%

Journey seems smooths, drop offs at the start and prototype sections highly skewed the results for the success rate

Withdraw from locked savings

78.8

1m 12.1s

86%

Flow looking straightforward and easy for users based on feedback

Withdraw from flexible savings

72.9

3m 59.3s

75%

A tester was stuck at the over section during the test, leading to them spending too much time to eventually complete the flow

Change SAYT withdrawal frequency

67.1

The poor SUS score indicates the journey needs to be improved

Withdraw from SAYT savings

85.5

The low success rate stems from high drop off rate after the instructions section of this test

Post-test qualitative questionnaire feedback

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Delete this info panel, this is only for guidance.

Post-test questionnaire:

After completing the tasks, participants will be asked additional targeted questions to gather specific feedback on their experience. These questions will be presented BEFORE the SUS questionnaire, for example:

  • Was there anything confusing or frustrating about the sign-up process?

  • How easy or difficult did you find the sign-up process?

  • Did you encounter any difficulties in reading or understanding the text or labels during the tasks?

  • Were there any features or elements that stood out as particularly helpful or problematic?

  • Did you experience any challenges with the colour scheme or visual elements?

  • Do you have any additional comments or suggestions for improving this experience?

...

Journey was easy for users, no negative feedback

Manage savings

77.5

1m 23.2s

100%

Journey was easy for users, no negative feedback

Create SAYT plan

76.4

2m 34.7s

78%

Journey was easy for users, no negative feedback

Pause SAYT plan

72.5

32m 46.3s

75%

A tester was stuck at the over section during the test, leading to them spending too much time to eventually complete the flow

Change SAYT withdrawal frequency

67.1

1m 56.0s

100%

The poor SUS score indicates the journey needs to be improved

Withdraw from SAYT savings

85.5

1m 28.2s

56%

The low success rate stems from high drop off rate after the instructions section of this test

Post-test qualitative questionnaire feedback

Participants provided additional insights through open-ended post-test questions:

Common pain points

List any recurring issues, frustrations, or confusion that participants mentionedSome participants complained about difficulty finding some buttons, especially when it come to breaking or canceling a savings plan.

Participants also mentioned that the “copy” used in some places were not clear enough.

Positive feedback

Summarise any positive comments about the product or specific features.

User suggestions

Insert suggestions for improvement or areas where users struggled but offered solutions.Some participants talked about how short the journeys are, they can create a savings plan very quickly, top up and withdraw from a plan quickly.

User suggestions

A suggestion that stands out was the use of better “copy” to convey messages clearer

Recommendations for improvement

Based on the test findings, the following recommendations are proposed to improve the product’s usability:

Design changes

  • [Task/feature]: revise [UI component, workflow, etc.] to streamline the user journey and reduce time on task.

  • [Task/feature]: clarify instructions on [specific screen/interaction] to Overall look and feel of the product needs to be improved to give the product better aesthetics which influences customer decision while using the product.

  • Declutter congested sections and components to help customers make decisions better and faster, which improve success rates.

Quick wins

  • Minor adjustments to [insert feature or task] that can be implemented without major development effortUpdate the “copy” to covey information better..

Long-term recommendations

  • Consider a more comprehensive redesign of [specific user journey]the create savings plan journey, especially focusing on [insert issue]reducing the number of steps needed to create a savings plan.

Conclusion

Summary

The usability test revealed that while the product performs adequately in most areas, there are specific pain points related to [specific feature]savings plan creation journey and copy used in overall in the product. By focusing on these areas, we can significantly improve the user experience.

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