Age and lifestyle:

Bill Pay’s key user is between the ages of 18-35. To seek greater happiness and stronger financial independence, they are expected to switch careers thoughout their working years.

Behaviors:

The target audience is comfortable and familiar with digital banking and currently pay their bills online. They have 8 or more bills to pay each month and are sensitive to transaction fees and selective about which bills they pay automatically. On occasion, they may pay a bill late.

Pain points:

Our key user has several pain points, including: juggling or changing passwords, navigating clunky web portals and creditor websites, feeling anxiety about fraud, delayed payment delivery and keeping up with a long list of bills with varying due dates.

How Bill Pay and Top Up can help:

Bill Pay provides an easy, trustworthy way to pay bills from the main screen or dashboard helping users save time, organize their bills and better manage their due dates and amounts.