I'm about to working on User Journey for an online payments startup. The product allows secure payments direct from your bank account, without the need for Bank/Credit cards. The USP is a secure ID verification process that banks will accept.
There is lots of information available on current habits, however, I want to find out about the problems user face with these options.
So will be going out to be asking as many people as I can find.
My gut tells me that some main issues might be ...
- Data Security
- Protection from fraud
- Tracking their spending
- Convenience (simple authentication)
Anybody got some thoughts/experience/advice, all welcome.