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.