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

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.

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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.