Payvoice

A game-changing free mobile app, is shattering barriers by empowering the blind and visually impaired with an independent, secure, and seamless payment experience, driving financial inclusion and accessibility for all.

Project Overview

Payvoice is a free mobile app developed in collaboration with ABECS (Associação Brasileira das Empresas de Cartões de Crédito e Serviços) to provide a seamless and secure payment experience for the blind and visually impaired. 

Leveraging ABECS’ 50 years of experience as the official representative of the electronic means of payment sector in Brazil, Payvoice enables users to make independent transactions with auditory assistance, bridging the accessibility gap in financial transactions and ensuring an inclusive user experience. 
 
ABECS represents more than 90 companies in the payment sector, including financial institutions, digital banks, acquirers, flags, fintech, marketplaces, and technology companies

Accessibility

Visually impaired community faces challenges in day-to-day payments 

Inclusivity

Lack of accessible and user-friendly payment solutions limits financial autonomy and security

User-Friendliness

Traditional apps rely on complex interfaces and visual cues, unsuitable for visually impaired or blind users 

Autonomy

Navigating and interacting with payment apps is challenging, compromising independent financial transactions

Kick-off

In this project, I embraced a goal-directed design approach that significantly contributed to the effectiveness of our design efforts. I found qualitative research methods to be incredibly valuable, including a kickoff meeting, market analysis, stakeholder interviews, and, most importantly, our persona hypothesis construction. The process began by asking ourselves a set of initial key questions:

“What are the primary pain points faced by visually impaired individuals when engaging in financial transactions?”

“How can we design a user interface that addresses the unique needs and preferences of the blind and visually impaired community?”

“What features and functionalities will most effectively enhance accessibility and ease of use for our target users?”
“How can we ensure security and privacy in the payment process for visually impaired individuals?”
“What technological advancements can be integrated into the app to improve its overall performance and user experience?”

Meet the users

Carlos Souza

A massage therapist who has developed macular degeneration, resulting in limited central vision. Despite his visual impairment, Carlos is determined to maintain his financial autonomy and continue his hobbies, such as reading and gardening. He values spending quality time with his family and looks for ways to simplify daily tasks. Carlos is interested in Payvoice to help him make payments autonomously, with ease, and to maintain his independence.

Lifestyle: Enjoys reading, gardening, and spending time with his family

Goals: Simplify daily tasks, and adapt to his changing vision

Maria Correa

A customer support specialist who has low vision due to diabetic retinopathy. She leads a busy life, working hard to excel in her career and maintain a healthy lifestyle. Maria is an avid traveler and enjoys exploring new destinations whenever she has the opportunity. As someone with low vision, Maria seeks accessible solutions to simplify her day-to-day life and help her make payments autonomously and securely. Payvoice would be an ideal app for Maria to ensure secure and autonomous transactions, allowing her to focus on her career, health, and travel plans.

Lifestyle: Busy, health-conscious, and an avid traveler

Goals: To excel in her career, prioritise her health, and travel the world

Ana Vega

A social worker who is dedicated to helping others in her community. She has been blind since birth but has never let her disability hinder her personal or professional life. Ana is an active individual who enjoys trying new activities and staying up-to-date with the latest technology. As a visually impaired person, Ana is interested in using Payvoice to make payments with autonomy, security, and efficiency.

Lifestyle: Active, tech-savvy, and environmentally conscious

Goals: To be independent and explore new technology to improve her daily life

The days of visually impaired individuals struggling for autonomy in financial transactions are finally over!

Initial Concept and Related Accessibility Obstacles

Challenge 1

Limited to TalkBack Users: In this first concept, the app’s strong dependence on TalkBack functionality could restrict its usability primarily to those who are already familiar with and actively use TalkBack. Users who prefer alternative screen reader solutions or do not use screen readers at all, which could include visually impaired individuals who are not completely blind, may encounter difficulties when navigating and interacting with the app.

Challenge 2

TalkBack Compatibility Issues: TalkBack updates or changes in its features may impact the app’s performance or functionality. Ensuring continuous compatibility with TalkBack may require ongoing maintenance and updates, which could be resource-intensive.

Challenge 3

Inefficient User Interaction: users are required to click a button every time they open the app to initiate the reading process, and they need to navigate back to the initial screen to access instructions. This design might result in an inefficient and time-consuming user experience, particularly for visually impaired users who rely on TalkBack, as screen reader navigation typically involves more steps and clicks compared to regular app navigation. This added complexity could discourage users from adopting the app and hinder their overall experience.

"After sketching out some wireframes and thinking through the preliminary flow, I reviewed what was necessary, unnecessary, and what areas needed improvement".

Design by Substraction

After testing the first concept, I chose to employ the concept of design by subtraction by simplifying and streamlining the user experience by focusing on the most crucial elements and eliminating unnecessary features or complexity. 

Minimize User Interactions:

Reduce the number of steps and clicks needed to perform a task. For example, automate the reading process when the app is opened, rather than requiring users to click a button every time.

Focus on Core Features:

Prioritize the most essential features that directly benefit the target users, such as reading the POS screen and providing clear voice instructions. Remove any secondary features that might create confusion or clutter.

Customizable Settings:

Offer a minimal but effective set of customisation options, such as voice speed, volume, and language, to cater to users’ unique needs and preferences.

Streamline Navigation:

Simplify the app’s navigation by limiting the number of screens or menu options, making it easier for users to find what they need quickly.

Leverage Audio Feedback:

Minimize visual elements and rely more on audio feedback to guide users through the app. For example, use clear voice prompts to inform users of successful or unsuccessful readings, and provide real-time feedback on any necessary adjustments.

Optimize Screen Reader Compatibility:

Ensure the app is compatible with various screen readers, not just TalkBack, to make it more accessible to a broader range of users. Design the app with screen reader navigation in mind, and provide straightforward instructions for users.

Preparing the Journey

This user journey illustrates the simplicity and ease of using the Payvoice app for visually impaired users, allowing them to make autonomous and secure payments without the need for login or registration.

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Technical Challenges & Solutions

Solution: 
To ensure the accuracy of text recognition, the development team can invest in advanced Optical Character Recognition (OCR) technology and machine learning algorithms. Regular updates and improvements to the app will help maintain high accuracy levels. Additionally, user feedback can be collected to identify and address any issues with text recognition.

 

Solution: 
During the development phase, thorough research and testing were conducted to ensure compatibility with a wide range of POS systems. Collaboration with POS system manufacturers helped in obtaining necessary information about display types and designs. Regular updates to the app have been made to accommodate new POS systems and technology advancements.
Solution:
To accommodate various user camera positions, the app incorporated image recognition and processing techniques. This enabled the app to detect and read POS display information regardless of the angle or orientation in which the user pointed their camera. 
By integrating machine learning algorithms and computer vision technology, the app was able to automatically recognise and adjust for different display angles, providing a seamless and user-friendly experience for visually impaired users.
Solution: 
The app was optimised for performance on low-end devices by keeping the app size minimal, reducing resource-intensive features, and ensuring compatibility with older operating systems. Regular performance testing on a variety of devices helped identify any issues and allowed the development team to make necessary optimizations.

Iteration

After creating our MVP, I prepared a 12-question survey for participants to fill out before we began conducting a usability test. We asked 14 different participants to run through different scenarios in hopes of garnering enough feedback.

Key Features

Payvoice is designed with a focus on UI simplicity, making it incredibly easy for users to navigate and interact with the app. Unlike traditional applications, there is no need to tap a button to trigger the reading function. Instead, the reading process begins automatically as soon as the user opens the application. 
A clear and informative voice will guide users through the process, providing step-by-step instructions on how to use the app. Additionally, audio feedback is provided in real-time, ensuring that users are informed if something goes wrong or if any adjustments are required. 
This intuitive, user-centered design approach ensures that Payvoice is accessible and user-friendly for the blind and visually impaired community, allowing them to enjoy a hassle-free payment experience.

Auditory Assistance

Payvoice utilises text-to-speech technology to read aloud transaction details, ensuring that users can confirm the accuracy of payments without assistance.

User-Friendly Interface

The app's UX is designed with accessibility in mind, featuring an intuitive interface with large text buttons, high contrast, and compatibility with screen readers and voice assistants. This seamless interaction guides users from the start of the transaction to the final result, which is the screen read and the amount to be paid.

Secure Payments

Payvoice integrates with major payment solutions such as Google Pay, Apple Pay, and Samsung Pay, providing a secure and reliable payment experience.

Customizable Settings:

Users can personalize settings like voice speed, volume, and tone to accommodate their unique needs and preferences, ensuring a comfortable and tailored experience during transactions.

Wide Compatibility:

Payvoice is compatible with both Android and iOS devices, ensuring accessibility for a broad range of users.

Market analysis

According to the World Health Organization, there are approximately 285 million visually impaired people worldwide. With an increasing focus on accessibility and inclusive design, Payvoice is well-positioned to capture a significant share of this market.

Brazil has a significant visually impaired population, with an increasing focus on accessibility and inclusive design. Payvoice, developed in collaboration with ABECS, is well-positioned to capture a substantial share of this market, as it caters specifically to the needs of this community.
 
As a free application, Payvoice aims to maximise accessibility for users. Partnerships with payment platforms and financial institutions in Brazil, facilitated by ABECS’ extensive network and market influence, will help drive adoption and increase market share.

Future development plans

Expanding the availability of the app beyond Brazil to reach a global user base.
Adding support for additional languages and local payment platforms to enhance the app’s accessibility and user experience.
Developing an AI-powered assistant to provide real-time support and guidance during transactions.
Incorporating functionality for bill splitting.

Download
the app

Payvoice is available for download on the Google Play Store and App Store in Brazil. Simply click the button below and enjoy a seamless and secure payment experience designed specifically for the blind and visually impaired community.

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