About Mogo

Mogo is a Financial App with a mission to help Canadians take control of their spending and improve their lives. Their motto is “Do money like you mean it”. Making financial tools easily accessible and user friendly, so that people may incorporate these practices into their daily lives. Monitor your credit score, get identity fraud protection, unlock hidden rewards, and earn bitcoin, all at zero cost.

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The Ask

How might we enable more users in the Mogo’s app to fund their acounts while addressing current user experience issues? Crypto funding processes involve Interac e-transfers, which serve less-than-ideal end-user experiences and expensive and laborious business processes for managing EMTs.

Goal: Add Interac Requests as a load option for Crypto

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The Challenge

Reaching financial wellness takes time and effort from the user. The challenge here was really giving the user a sense that their financial situation is improving and providing an education piece around financial wellness.

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Pain Points

The current user experience of the app forced the user to copy and paste a lot of information to be able to fund their account through Interac.

The user at the time was unable to choose a different method of funding once they had selected visa direct. The app also had very few funding institutions available (TD, CIBC, and Scotia).

The goal with new feature is to add interac requests while tackling some legacy debt and user pain points with the current user experience.

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Competitive Analysis

Analyzing how other applications utilize Interac requests, we can see that a lot of the operations doesn't take place within the application but through email. The Interac Request also allows the user to utilize multiple financial institutions, tackling one of the key pain points of lack of financial institutions in the Mogo app. The Interac Requests also eliminates the need to copy and paste various information, reducing the cognitive load for the user.

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Current User Experience Flows

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Wireframes

Early wireframes to conceptualize the structure and layout of the screens. This allows for a clear representation of the initial concept and layout ideas before moving into detailed design.

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User flows

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Unhappy paths

Not every path is a happy one. Here we have a list of scenarios provided by the Technical lead, in events where the funding could go wrong.

As the designer, I had to understand why they occurred, what information to let the user know, and how to get them on the happy path faster.

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Usability Testing (TrymyUI)

Through usability testing, we were able to test the prototype before handing the designs over to development. We primarily wanted to understand if users could fund their bitcoin account and select the option they felt was going to be the easiest. Which in this case was the new Interac Request feature. It was also important to test the flow to ensure there wasn't anything confusing or problematic about the flow.

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Usability Testing (Usability Hub)

Discoverability of the feature was quite important to us, we wanted to name the feature in a way that was recognizable. To ensure we were utilizing the correct terminology, we utilized Usability Hub to test different variations of the feature's name to know the naming convention that user's understood.

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Final Designs

Although the final designs were quite straightforward, a lot of work went into making sure that our initial release of the feature lived up to the standard of quality we expect from the application.