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This project enhances the payment process by automatically prioritizing the most convenient and frequently used payment method for a seamless checkout experience

During the payment process, users often face difficulties in selecting their preferred payment method, especially when they have multiple saved methods or switch devices. The current payment selection experience does not prioritize frequently or recently used methods, resulting in inefficiency and potential frustration.

The goal was to improve the user experience by automatically prioritizing the nearest or most relevant payment method based on usage context, ensuring a smoother and faster checkout process.

To better understand how other platforms handle payment selection, we analyzed the approaches of major competitors: 

: At the order confirmation screen, the payment method is not pre-selected. Users must manually choose their preferred payment method.

Defaults to the most recently used payment method.

Maintains the order of all payment methods, avoiding unnecessary repositioning.

: The default payment method is "Cash on delivery".

At the order confirmation screen, the most recently used payment method is automatically pre-selected.

Users are presented with the last-used payment method at the top of the list.

: Defaults to the most recently used payment method.

Most platforms prioritize the most recently used payment method for returning users.

Shopee and Be default to "Cash on delivery" for first-time users, ensuring a smooth experience without requiring prior setup.

, which could be a business strategy rather than a user-centric choice.

Tiki provides flexibility by not pre-selecting payment methods but may require more effort from users to confirm payments.

Conducted user interviews and surveys to understand pain points in the payment selection process.

Observed user behavior during checkout to identify common frustrations and preferences.

: "How might we simplify the payment selection process by prioritizing the most relevant methods to reduce user frustration?"

Brainstormed potential solutions, including dynamic sorting, AI-driven recommendations, and default selections.

Collaborated with cross-functional teams to validate ideas through mockups and feedback sessions.

Developed wireframes and interactive prototypes to test different sorting mechanisms.

Simulated user scenarios (e.g., first-time use, returning user) to refine the prioritization logic.

Conducted usability tests with a diverse group of users to measure effectiveness and satisfaction.

Iterated on the solution based on feedback to ensure clarity and efficiency in the final design.

Display all available payment methods in a standard order.

 to ensure ease of use without prior setup.

Scenario 2: Returning user with recently used credit/debit card

Prioritize the most recently used credit/debit card at the top of the list.

: If no card information was saved, display the option for manual entry.

: If card information was saved, pre-select the most recently used card.

Scenario 3: Returning user with another payment method

Pre-select the most recently used method (e.g., MoMo, ZaloPay).

Addressed common user pain points, such as reducing steps and decision-making time.

Frequently used methods aligned with user expectations, reducing cognitive load.

Personalized payment flow enhanced user convenience and satisfaction.

Ensured clarity and transparency in prioritization logic to avoid user confusion.

Provided an option for users to manually override the default selection.

Optimized accessibility and responsiveness across devices.

Increased user satisfaction due to reduced friction in the payment selection process.

Improved conversion rates resulting from a streamlined payment flow.

Enhanced usage of saved payment methods, encouraging faster transactions.

: Measured time required to complete the payment selection step.

: Tracked frequency of saved payment method usage.

: Collected positive responses regarding the payment selection experience.

By prioritizing the most relevant payment method and integrating design thinking into the development process, we created a solution that ensures a smoother and more intuitive checkout process. This approach aligns with the goal of enhancing user satisfaction and boosting transaction efficiency while maintaining a user-centered focus.

This is a simplified breakdown of our research—Clear, concise, and easy to understand.

🔒Prioritizing the closest payment method