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A Penny Isa Penny: Saved Earned
A Penny Isa Penny: Saved Earned
A Penny Isa Penny: Saved Earned
penny earned
- Benjamin Franklin
A service using mobile network and
internet services to save money and
make simple transactions
for BOP and TOP users
Where we started from ?
Strugglers
Lower income group
BOP Ignorant
A close look at BOP
Acknowledgement
Reporting
Information
User research
Name: Manjunathan Unknown Unknown Virappa
Age: 47yrs around 35yrs 26yrs 52yrs
Locality: bangalore andhra pradesh andhra pradesh Andhra pradesh
Sex: male male male male
Married: married married single married
Jobprofile: security guard Painter Painter Painter
1. How many members are there in your family? 3 4 3 6
2. Do you use mobile? No yes yes Yes
3. If you don’t have mobile phones, do u make phone calls? yes NA NA NA
• Are they done through local booths? Yes
• Or by any other means? Friends Mobile
4. How many members in your family have a mobile phone for personal use? 1 2 3 2
5. If yes- what are the handsets? Nokia B & W basic Nokia basic B&W Samsung basic
• What is the type of service (Vodafone/idea etc) Airtel Airtel Vodafone Vodafone
• What is the denomination/amount of recharge that you get most often? Rs 200 Rs 300 Rs 400 Rs 250
• How long does it last? 1month 1month 26days 1month
6. Do you use any services on mobile? NO no No No
• Alerts
• Message
• Bonus card
• GPRS
7. What is your family income?(earningon daily basis/monthly basis) Rs 9000monthly Rs 6000-8000monthly Rs 6000monthly Rs 9000monthly
8. How many members are earning? 2 1 1 2
9. What are your expenditures? food ,accomodation food ,accomodation food ,accomodation food ,accomodation
10. Do you plan your expenditure ( children education,marriage) no no no Yes
11. What is kind of investment that you have made? none Bank none none
12. If yes: in what form? no
• Saving account savings account
• Any other way?
13. Which saving service are you using? no
• Banks and which bank Andhra bank Bank/PF Andhra Bank
• Postal services saving account
• Any other
personas
personas
personas
User Flow
TOP user – Tracking Account Transactions
User Flow
Tracking Account Transactions–
Mobile
User Flow
Transfer – Mobile to Mobile
User Flow
Transfer – Mobile to Mobile
(shortcut)
User Flow
Withdrawal – from ATM
User Journey
Ram Shankar
Age: 45
Job: Carpenter
Earns 4000 per month. No financial
planning. Earns on daily basis.