Unified Payment System
designing resilient payment experiences for failures in cashless transactions.
Team
Md. Faisal
Sreejesh Nair
My Role
User Research
Documentation
the widespread adoption of UPI has accelerated India’s shift toward cashless transactions. However, when UPI fails or merchants don’t accept it, users are left with limited alternatives, causing frustration and disruption.
to create an omnichannel payment transaction experience for all students and staffs within IIT Roorkee campus.
disruptive wi-fi signals throughout the campus
no physical ID cards issued by the institute
UPI servers of SBI bank fails too often
amazon go
uses "Just Walk Out" technology, allowing customers to shop and leave without checkout lines, automatically billing their Amazon account for selected items.
starbucks rewards
the program allows customers to earn points (stars) on purchases, redeemable for rewards, fostering loyalty within the Starbucks ecosystem.
m-pesa
a mobile-based service in Kenya that enables money transfers, payments, and micro-financing, providing financial access to unbanked populations.
a MagicBand+, an IoT wrist wearable, is a plastic RFID bracelet that is used by guest, that provides personalized information, to organize, drive, and enjoy their vacation experience. The Disney MagicBand+ offers a range of benefits that enhance the guest experience at Disney parks:
Seamless Park Entry and FastPass Integration
Interactive Experiences
Convenient Transactions
Personalized Interactions
88%
see payment issues regularly
78%
want an efficient alternative
75%
want to track their spending
add-on
the solution should be an add-on rather than a replacement to cash and UPI payments
integrated
should be integrated with the existing systems of the campus rather than a new app
efficiency
should increase the efficiency of day to day payment experience in campus
tap and pay with RFID college ID card. connect the student profile with a digital wallet and you can add money.
the following year (academic year 2025-26), the institute issued a physical ID card for the first time in years
most of the times, we don’t need a technological innovation to solve a problem, it can happen with already existing solutions. we just need to connect the dots
an omnichannel experience reduces the chances of failure and provides a diverse range of options to meet the preference of the users
if one solution can solve more than a problem, there is a high chance of adoption of the proposed solution
next project
see how we unifyied academic workflows into a centralized institutional decision platform
