I participated in a hackathon hosted by BrainStation in collaboration with Mastercard in May 2021. Data Scientists, Digital Marketers, and Web Developers are among the members of the team. We had only 24 hours to think of a solution.
Remote Hackathon - May 2021
3 UX Designers
3 Web Developers
2 Data Scientists
1 Digital Marketer
UX Researcher, UI and Visual Designer
Winners 🏆 🥇 🎉
My team created an innovative solution to make online transactions more secure.
Mastercard Choice was introduced as part of the mastercard app allowing users to use biometrics (i.e. Face ID, Voice ID) to make payments.
Mastercard is a finance tech company that seeks to unlock the potential of its diverse clientele around the world by creating financial solutions that strive to give everyone an equal playing field in the world of buying and selling.
Mastercard and Maestro
branded cards in use
With the increase of digital online transactions, security has become a top priority for all organizations.
The global digital payments industry is expected to hit $6.6 trillion value in 2021. However, with an increase in identity theft reports, most being credit card fraud, we expect this trend to be on the rise in the coming years.
With the project problem defined, We searched online for existing online payment/transaction securities, to get a better understanding of the existing solutions. We listed the competitors in the industry, to identify their current security features, identify customer’s pain points, and what improvements people want. We used this information to formulate our idea.
We first learned about Masterpass, a Mastercard product that uses digital wallet technology to add a digital identity wallet for online transactions, reducing passwords and storing names, addresses, and credit card information with a variety of retailers.
However, our excitement was short-lived, as further investigation revealed that credit card payment networks have ditched separate secure online payment systems such as Visa Checkout, Masterpass, and Amex Express Checkout in favour of a unified system known as "Click to Pay." A service that makes it easier and safer to pay with credit cards online.
With time running out, we dug deeper into digital transformation in payments and discovered the following biometric insights; the idea and insights were presented by the UX designers to all stakeholders, they were discussed and accepted, and we moved on to ideation.
The COVID-19 pandemic has further accelerated existing trends with a focus on hygiene and touchless payments.
Across all markets, there was more interest in making payments with biometrics.
The main reasons people gave for not using biometric payments were that their bank and device are not using biometrics, or not knowing how to use biometrics themselves.
Customers abandoned an online purchase, due to issues such as not receiving a passcode or other service error, or not having their card present to make the payment
Face id technology already exists but is not yet being used for online transactions.
Because it is difficult to imitate or reproduce someone's biological attributes, biometric authentication methods such as fingerprint scanning, retina scanning, voice recognition, and face recognition are considered the most effective independent authentication methods now available.
Online purchases and authentication can be done from the same application on the same device. Biometrics is therefore the perfect solution to provide an enjoyable customer experience at a high level of security.
Beyond ensuring that personal data is secure, it is of great importance that security systems are reliable and easy to use for as wide a cross-section of the population as possible. Ideally any system must not be inaccessible to groups such as the elderly, people with disabilities, or those with little knowledge of technology.
There is a huge opportunity to stimulate the development of new systems with inclusivity, ease of use, and high performance, which have the potential to make daily tasks much easier for a large number of people.
Biometrics have the potential to improve the lives of people with disabilities.
From the secondary research findings, we created a proto persona, Joel Jones, a 29-year-old educator who represented our key target population for whom we designed the solution, as well as an existing Mastercard Click to Pay user and a regular online shopper.
He has previously been a victim of credit card fraud.
To shop online faster and more securely, using a Credit or Debit Card.
We looked at Google Pay, Mastercard Click to Pay, Apple Pay, and Saffe.
We used Mastercard's existing Click to Pay system. “Your Mastercard is stored in Click to Pay, allowing you to shop without having to grab for your card or fill in payment information.”
Users can currently use Click to Pay, however the transaction is still vulnerable to security breaches. Mastercard Choice is a solution to this problem.
The user next sets up Mastercard Choice 2 step biometric authentication after registering in Click to Pay. After that, the user can go to any eCommerce store they like and check out with Mastercard Choice.
In order to demonstrate our solution, we needed to show the user's onboarding journey, as well as the use case scenario.
By enrolling your card in Mastercard Choice, you can now add biometric authentication to your existing card ahead of time. Simply go to the Mastercard website dedicated to sign-ups, select the option to add biometric authentication to your existing card, and enter your information; it will be saved for future uses.
If we had more time during our hackathon we would design the Voice ID and Touch ID functionalities within MasterCard Choice that elaborate more on the two-step verification process.
We envision the voice design for MasterCard Choice being used to checkout or purchase items on audio virtual assistant AI technology devices like Amazon Alexa, Google Home, and Apple Homepod as an additional benefit to users.
Using software like Figma to collaborate with other disciplines (digital marketing, web development, data science) to understand their perspectives on a proposed solution.
How to make quick and informed decisions in order to create a viable, usable solution. Seeing how much we can get done in a 24-hour period to bring our solution to life.
I'd like to express my gratitude to the following members of my incredible and talented team: