<span data-metadata="" style="white-space: normal;">For a more interactive
shopping experience
As apart of IPD 509 Needfinding with Professor Shanis, we worked with the Ripple team to come up with solutions to facilitate credit building process for international students.
GETTING STARTED
Needfinding
Research Methods
Our team utilized three different methods, interview, observation and projective exercise to recognize the needs of a facilitated credit building process for internationals.
2x2 Matrix
Our team utilized three different methods, interview, observation and projective exercise to recognize the needs of a facilitated credit building process for internationals.
Cardsorting
Our team utilized three different methods, interview, observation and projective exercise to recognize the needs of a facilitated credit building process for internationals.
Guiding Model
What Robinhood did for investing, Altered can do for credit. With lower entry barriers, Altered will intuitively help spread wealth and empower deserving people who are ignored or rejected by conventional financial institutions.
“Credit card application for me was so challenging for me”
– S.Y., International Student from Hong Kong
Interview
After interviewing our peers and conducting market research, we identified three main pain points.
Emotional Requirements
Listed below is the emotional requirement we had for our users, specifically in regards to how this app will help them in their journey towards credit building in the U.S.
Opportunity Matrix
Our opportunity matrix serves to pinpoint which segment of users we should focus and prioritize on. We decided to target users in the high effort/thought & extremely unsatisfied status quo segment.
Concept Ideation
To decide which features our new app should contain, I sketched out some ideas with the current limitations in mind. Although some ideas may not be optimal at this time (i.e. global credit card), the ideating process made me reflect on my experiences and what I’ve wished for in those situations.
OUR MISSION
Altered will democratize finance for all.
GETTING STARTED
Final Concepts
Credit Building Assessment
An alternative way to build credit that is a quick, simple, fair process for all. Assessment consists of questionnaires ranging from one's personal background, letters of recommendation, to credit history in one's home country.
Universal Payment System
This universal payment system is especially convenient for users who travel often and wants to reduce the hassle of creating and using different payment systems in each country. Once the universal bank account is created, users could easily access their universal payment method (debit/credit card) on the Altered app.
Documentation Passport
The documentation passport feature on the app would allow users to safely keep their travel/financial documents on file. This way, users will no longer have to shift through every drawer in their house to find them, and be able to access it at any time just at the touch of the button.
GETTING STARTED
Deliver
Storyboard
This story of an imaginary character, Joe, helps viewers understand how Altered will be utilized & faacilitate international students’ financial journey.
Presentation
