Transfers SUS report

Transfer Test Plan

Adebayo (35y/o)
Small business owner who frequently makes payments to various suppliers and contractors

Initiating a transfer to new recipient

This journey represents 90% of transfers, making it critical for user satisfaction and app utility. It was selected based on comprehensive analysis of user behavior data.

Emeka (40y/o)
Manager who regularly pays the same set of vendors for his company

Sending money to a saved beneficiary

While less common than new recipient transfers, this journey is important for understanding how the app supports repeated transactions and user convenience

Chinwe (28 y/o)
Values automated financial management

Setting up a recurring transfer

This journey is crucial for users who need to make regular payments. It was chosen to evaluate the app's ability to handle more complex, long-term transfer setups.

Fatima (32y/o)
Executive assistant who manages multiple accounts and transfers

Managing/deleting a recurring transfer

Essential for providing users control over their automated transfers. It was selected to assess the flexibility and user-friendliness of the recurring transfer feature

Oluwaseun (45y/o)
Business accountant who keeps detailed records of all financial transactions

Reviewing transfer history/downloading statements

Critical for user trust and financial management. It was chosen to evaluate the app's transparency and ability to provide clear transaction records.

Amina (38y/o)
HR Professional responsible for processing company payroll

Performing bulk transfer to multiple recipients

Important for business users who need to make multiple payments efficiently. It was selected to assess the app's capability to handle complex, multi-recipient transfers

Imagine you're a small business owner who needs to pay a new supplier for the first time. You need to transfer ₦150,000 to the supplier's account using the Moniepoint app. Your task is to log into the app and complete this transfer. Please narrate your thoughts and actions as you go through the process

Imagine you're a freelancer who needs to pay your regular graphic designer for their latest work. You've paid them before and they're saved as a beneficiary in your Moniepoint app. You need to transfer ₦75,000 to their account.

Your task is to log into the app and complete this transfer to your saved beneficiary. Please narrate your thoughts and actions as you go through the process.

Imagine you are just started using Moniepoint for your banking needs. You want to set up a monthly transfer of ₦50,000 to your parents' joint account to help with their living expenses, for the 28th of every month. You also want to ensure you can easily modify or cancel this recurring transfer if needed.

Your task is to log into the app and set up this recurring transfer. Please narrate your thoughts and actions as you go through the process.

Imagine you set up a recurring monthly transfer of ₦50,000 to your savings account six months ago. Now, you want to increase the amount to ₦75,000 and extend the duration for an additional 6 months. After making these changes, you then decide to cancel the recurring transfer entirely.

Your task is to log into the app, modify the existing recurring transfer, and then cancel it. Please narrate your thoughts and actions as you go through the process.

Imagine you are the finance manager of a medium-sized company. It's the end of the month, and you need to process salary payments for 50 employees. You've been using Moniepoint's webapp for business transactions and want to use the bulk transfer feature to streamline this process.

Your tasks are to:

1. Log into your Moniepoint account on your desktop

2. Navigate to the bulk transfer feature

3. Upload a CSV file with employee payment details (provided to you)

4. Review and confirm the bulk transfer details

5. Execute the bulk transfer

6. Download a report of the completed transfers

Please narrate your thoughts and actions as you go through each task.

Imagine you're preparing your monthly financial report and need to review your transfer history for the past month. You also need to download a statement of your account for the same period.

Your task is to log into the app, review your transfer history for the past month, find a specific transfer of ₦200,000 made two weeks ago, and then download your account statement for the month. Please narrate your thoughts and actions as you go through the process.

Indicate the total number of users involved (5-8 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?

Chinedu

35

SME owner (fashion retail)  

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 16) 

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.

Halima

27  

Market trader

Low

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 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.

Tunde

40

Corporate accountant (mid-sized firm)  

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.  

Windows laptop, iPhone 13

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.

Amaka

22

NYSC corp member (service year)  

High

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.

Android phone (Samsung A32)

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.

Babatunde

50

POS operator  

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.

Android phone (Itel A56)

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.

e.g. 60

1m 30s

%

Brief key feedback or observation for this journey

Brief key feedback or observation for this journey

Brief key feedback or observation for this journey

Brief key feedback or observation for this journey

Brief key feedback or observation for this journey

Brief key feedback or observation for this journey

Brief key feedback or observation for this journey

List any recurring issues, frustrations, or confusion that participants mentioned.

Summarise any positive comments about the product or specific features.

Insert suggestions for improvement or areas where users struggled but offered solutions.