An app design idea for E wallet for teenagers. The name PaySay is close to 'paise' which is the currency form in India. The app is designed after understanding the need of modern ways of dealing with money in this era of mobile and technology.

1. PaySay
By
Namita Maheshwari
CUA, M.Des., B.Arch.

2. PaySay App
The PaySay app is a integration of basic banking and E wallet facilities to bring in the idea of
using the money given by parents efficiently and be more aware of there expenses
Mobile based App- Like the Adult age group- mobiles are slowly becoming the identity of Urban
teenagers and is being used for there day to day activities
Minimum steps and Minimum Activity- The app understands the impatient nature of the age
group and hence would have minimum number of steps, and request for only required data for
transactions.
Safety and Security- It has dealt with security issues and misuse of money issues. Eg. The change
in password email will be received by the Parent.
Simple Content- The content is relatable, simple and is put in meaningful chunks. The age group
avoids childish content and at the same time wants content they can understand easily without
doing any research.
Engagement- Get the feedback from the user, have a forum where they can discuss what they
plan to do with the money they have saved, or if they need any suggestions. Also based on there
choices segment what is presented to them.
.
I am a Smart
phone- let me
handle your money
smartly

3. Persona
Srishti – Young aspiring artist
15, Student
Jaipur
Lives with Parents, both working
Smart Phone expert user. Plays games,
Listens to music, social networking etc.
Srishti is a class 9th Student. Apart from studying she has deep
interest in art. Shrishti has always seen her parents working which
has made her a very independent person and she also
contributes with all the big and small works at home one of them
being shopping for household needs. She also receives a decent
amount of money as her pocket money.
Short term goals- Wants to buy her mom the wrist watch her
mom had loved when they visited the mall last
Wants to make donation at the school for Blind
Long term goals- Wants tot study at London School of Art
Travel the world
Wants to start a Centre of education for the poor children
Drives- Makes her feel independent, confident and
smart incase she manages to save
Blocks- money management, sharing her expense
report with parents, security
Fundamental Needs- Freedom, independence,
creativity
Culture imbibes- Risk taker, respects family,
education
“My pocket money is very important to
me, I always manage to save but wish to
use my money more wisely”

4. Scenario
Srishti’s mother asks her to go get the
grocery from their regular local grocery
shop
Srishti forgets to carry
money with her and doesn’t
know what to do
The grocer suggests Srishti to stary using
her phone to pay to him, he also prefers it
because there is no hassle of handling
cash, change, fake notes etc. and it’s a
very easy process

5. Opportunities
• Most of the e wallet apps are very complicated and tough to
comprehend- Make it Simple
• My parents would like to monitor my expense- Only when
required
• I do not understand the language they use sometimes, and I
don’t have the patience to go through there content to
understand things- Relatable Content
Also I see no value in it, I would wish it would be more like my
bank and not just a wallet- Manage my expenses, help me
save etc. apart from the basic- Have a money manager
• “There is Kidpay I know of, but I am not a kid”- Make it look
Sophisticated

6. Home Screen
Pay- To
make a
simple
payment
Ask- Asking
money to a
Contact
Money
manager
E Shopping
Other
Features
Menu bar
Parents Phone
Account
details and
settings
Set
reminders
Notifications
regarding
new features
and
transactionsIn case of low
balance while paying
NEW PIN REQUEST:
In case of New pin
request
NOTIFICATION:
In case of amount
exceeding a certain
defined limit
Information Architecture

7. The home page
The app works like
Whatsapp, at a time
only one device can
be used- That is why
only password
required, the user
name is by default
The home page
(Security is extremely
important to the age
group)
In case of new
password required-the
password will be sent
to the Parents with a
message Please
confirm over the call if
its your child who
requires the in and no
fraudster
Feature Screen
The first thing the
user wants to see is
his current balance.
The important
actions are placed
on the screen, Other
actions and features
less used can be
hidden
Pay Feature
Just requires the ID
of any app and
amount..
In future even NFC
can be apart of this
Pay Feature with
receiver information
The user has to
confirm the name of
the receiver before
she decides to pay
LoFi Wireframes

8. Pay Screen in case
of Low balance:
Will pop up a
message with the
exact amount the
user is short of and
would request to ask
a contact
The Ask screen
Will ask for the contact,
will have the amount in
default if continued from
pay screen, otherwise
blank.
The reason is optional,
but would help the
parent understand the
urgency
Money Manger Screen:
This is auto generated
data by your App
depending on the
transactions the user has
made.
The option of feeding
data will also be
available
The E shopping Page:
This will be associated
with various e shopping
platforms, again
generated from
understanding of what
the user uses frequently,
and also what are the
associated e com sites
with PaySay
Transaction Alerts to
Parents:
In case the user shops
for more that a decided
limit the parents will be
notified about it, but this
will not affect his buying
power and user will also
be informed of the
same.
LoFi Wireframes

9. Pay Ask
My Plans E Shop
₹ 2780.00
Srishti’s Current balance
12:45
See more from PaySay
Sense of Personalization:
The app refers to you by
your Name time and again
in various features
Laid back and simple
graphics, the sophisticated
look is related to adult look.
The teenagers avoid
Childish content
Relatable and simple
content, As per studies the
teenagers are impatient
and will not bother to
research on what could
mean what
Sense of Personalization:
The app refers to you by
your Name time and again
in various features
What is important is in bold,
Time and again in such apps
the balance in your wallet is
the most important feature. It
is also shown in Pay feature
app and Ask app as the user
wants to be aware of this
data while using them
Meaningful and few chunks,
big fonts and short paragraphs
work well with this age group,
Any extra and less frequently
used feature goes in See more
Screen Presentation example:
Feature Screen

10. Thank You