This case study was done as a part of Skilvul’s Mini Bootcamp Project with focus on exploring visualization of Bank Jago’s Life Insurance concept, Last Wish.
Bank Jago Last Wish is a concept that offers a new way of viewing life insurance, as well as the freedom to make any wills for various purposes.
This case study was done as a part of Skilvul’s Mini Bootcamp Project with focus on exploring visualization of Bank Jago’s Life Insurance concept, Last Wish.
Bank Jago Last Wish is a concept that offers a new way of viewing life insurance, as well as the freedom to make any wills for various purposes.
Empowering Finance for Micro Businesses with PakeKTP Merchant
Empowering Finance for Micro Businesses with PakeKTP Merchant
Empowering Finance for Micro Businesses with PakeKTP Merchant
SCOPE
SCOPE
Mobile App Design
ROLE
ROLE
Product Designer
PROJECT TIMELINE
PROJECT TIMELINE
October 2023 - April 2024
PakeKTP is an e-wallet app that aims for users to make seamless payments through both digital transfer and NFC payments using ID card (KTP).
I helped design the Merchant Platform, which offers users the ease to manage multiple shops with features such as inventory management and bookkeeping.
PROJECT BRIEF
PROJECT BRIEF
PROJECT BRIEF
PakeKTP is committed to empowering individuals from lower to middle-class communities to start their own shops in traditional markets with ease.
PakeKTP is committed to empowering individuals from lower to middle-class communities to start their own shops in traditional markets with ease.
PakeKTP is committed to empowering individuals from lower to middle-class communities to start their own shops in traditional markets with ease.
PakeKTP aims to expand its product offering to better reach and support merchants from middle to lower-income backgrounds, as a form of commitment to inclusivity and economic empowerment by making their solutions more accessible to a wider range of small business owners.
The goal is to bridge the gap by tailoring the product to fit the unique needs and challenges of this segment, ultimately helping more merchants grow and sustain their businesses.
PakeKTP aims to expand its product offering to better reach and support merchants from middle to lower-income backgrounds, as a form of commitment to inclusivity and economic empowerment by making their solutions more accessible to a wider range of small business owners.
The goal is to bridge the gap by tailoring the product to fit the unique needs and challenges of this segment, ultimately helping more merchants grow and sustain their businesses.
CHALLENGE
CHALLENGE
How can we improve the middle-lower class people’s accessibility on becoming a merchant without having to be tied to a particular bank account?
How can we improve the middle-lower class people’s accessibility on becoming a merchant without having to be tied to a particular bank account?
How can we improve the middle-lower class people’s accessibility on becoming a merchant without having to be tied to a particular bank account?
MAIN CONSTRAINTS
MAIN CONSTRAINTS
MAIN CONSTRAINTS
Limited time and budget to conduct further in depth research
Limited time and budget to conduct further in depth research
Limited time and budget to conduct further in depth research
Has to ship along with the PakeKTP wallet app
Has to ship along with the PakeKTP wallet app
Has to ship along with the PakeKTP wallet app
DISCOVERY
DISCOVERY
DISCOVERY
Competitor Analysis
Competitor Analysis
With a tight deadline, we decided to do a quick competitor analysis focused on the new visual implementation and the main merchant features, such as disbursement, bookkeeping, and report.
For visual implementation, we want the visual direction to be bold and minimalistic– aside from implementing the blue which represents trust and loyalty, we want the interface to be intuitive and simple to navigate.
With a tight deadline, we decided to do a quick competitor analysis focused on the new visual implementation and the main merchant features, such as disbursement, bookkeeping, and report.
For visual implementation, we want the visual direction to be bold and minimalistic– aside from implementing the blue which represents trust and loyalty, we want the interface to be intuitive and simple to navigate.
Competitive Analysis for Direct Competitor and Visual Reference
Competitive Analysis for Direct Competitor and Visual Reference
Competitive Analysis for Direct Competitor and Visual Reference
Merchant Homepage
Merchant Homepage
Both Livin and BCA Merchant has an intuitive homepage and highlights today’s income balance. But unlike BCA, Livin doesn’t visualize insight on the shop’s best sales day, but instead prioritizes quick actions to most frequently used menu, such as order lists, cashier feature, and reports.
Both Livin and BCA Merchant has an intuitive homepage and highlights today’s income balance. But unlike BCA, Livin doesn’t visualize insight on the shop’s best sales day, but instead prioritizes quick actions to most frequently used menu, such as order lists, cashier feature, and reports.
QRIS Feature
QRIS Feature
For QRIS feature, Livin Merchant highlights this better as it has a wide tap area and highlighted by the contrast button color. This ensures the main goal for merchant to do transactions will be easily achieved.
For QRIS feature, Livin Merchant highlights this better as it has a wide tap area and highlighted by the contrast button color. This ensures the main goal for merchant to do transactions will be easily achieved.
Intuitive Navigation
Intuitive Navigation
BCA wins by simplicity, but Livin is advantageous in terms of intuitiveness. The floating menu button list and quick menus allows merchants to access other features without too many steps.
BCA wins by simplicity, but Livin is advantageous in terms of intuitiveness. The floating menu button list and quick menus allows merchants to access other features without too many steps.
Inventory Management
Inventory Management
BCA’s shop and transaction report is merged into one if merchants have more than one shop, whereas Livin’s report will be shown according to the selected shop. This ensures that merchants can have a bird’s eye view for all shop’s transactions.
For inventory management, Livin has chunked the process into step-by-steps, since the merchants can add products and variants.
BCA’s shop and transaction report is merged into one if merchants have more than one shop, whereas Livin’s report will be shown according to the selected shop. This ensures that merchants can have a bird’s eye view for all shop’s transactions.
For inventory management, Livin has chunked the process into step-by-steps, since the merchants can add products and variants.
In-Depth Interview
In-Depth Interview
In-Depth Interview
We conducted an in-depth interview with 3 merchants located in Jabodetabek, to get to know their experiences operating a merchant app, and their pain points operating their shop with the help of a digital app. Some key points include:
We conducted an in-depth interview with 3 merchants located in Jabodetabek, to get to know their experiences operating a merchant app, and their pain points operating their shop with the help of a digital app. Some key points include:
"I want to know the detailed report of my shops in the merchant app"
"I want to know the detailed report of my shops in the merchant app"
"I want to know the detailed report of my shops in the merchant app"
"I think I need clearer guidelines when operating the app"
"I think I need clearer guidelines when operating the app"
"I think I need clearer guidelines when operating the app"
"I need a simple flow to make a sales transaction"
"I need a simple flow to make a sales transaction"
"I need a simple flow to make a sales transaction"
All of the merchants have bank accounts, but does not have debit/credit card
All of the merchants have bank accounts, but does not have debit/credit card
All of the merchants have bank accounts, but does not have debit/credit card
Interview Results
SOLUTION
SOLUTION
SOLUTION
All in one merchant shop management application
All in one merchant shop management application
All in one merchant shop management application
MAIN FEATURES
MAIN FEATURES
Diverse bank account options for disbursement process
Diverse bank account options for disbursement process
Diverse bank account options for disbursement process
Other merchant applications mostly requires the user to have bank account according to the service. At PakeKTP, merchants can choose from several banks where they want to disburse their money to.
Other merchant applications mostly requires the user to have bank account according to the service. At PakeKTP, merchants can choose from several banks where they want to disburse their money to.
Informative Homepage
Informative Homepage
Informative Homepage
Includes today’s income, amount of transactions done, and total active balance
Quick access to bookkeeping and data
Includes today’s income, amount of transactions done, and total active balance, Quick access to bookkeeping and data
Versatile Sales Transaction
Versatile Sales Transaction
Merchants can choose whether they want to create transaction based on quantity of products or just the total amount of money the customers has to pay.
Merchants can choose whether they want to create transaction based on quantity of products or just the total amount of money the customers has to pay.
Bookkeeping and Report
Bookkeeping and Report
Bookkeeping and Report
Includes data on latest income and expenses, displaying average income and expenses which helps merchant to keep track of their balance stats.
Includes data on latest income and expenses, displaying average income and expenses which helps merchant to keep track of their balance stats.
Inventory management
Inventory management
Inventory management
The inventory management interface is displayed in table format, including name, category, price, and toggle to activate the SKU, ensuring straightforward and intuitive experience for merchants
The inventory management interface is displayed in table format, including name, category, price, and toggle to activate the SKU, ensuring straightforward and intuitive experience for merchants
KEY TAKEAWAYS
KEY TAKEAWAYS
KEY TAKEAWAYS
What I’ve learned from this project?
What I’ve learned from this project?
What I’ve learned from this project?
We needed to phase the project into two phases, but due to unfortunate client circumstances, I was not able to see the project until the end. However I’m glad I was entrusted with this big project which made me learn managing between two finance products in one sitting. Some key learnings:
We needed to phase the project into two phases, but due to unfortunate client circumstances, I was not able to see the project until the end. However I’m glad I was entrusted with this big project which made me learn managing between two finance products in one sitting. Some key learnings:
Managing Stakeholders’ Expectation From the Start
Managing Stakeholders’ Expectation From the Start
Managing Stakeholders’ Expectation From the Start
With a large number of stakeholders involved, it often felt like every opinion needed to be accommodated, which led to frequent changes in scope and a lack of clear direction. Looking back, I realized that setting clearer boundaries early on and limiting key communicators to a smaller, more focused group would have helped streamline decision-making and protect the project from unnecessary detours. This experience taught me the value of defining roles, expectations, and communication structures up front to keep the project on track.
With a large number of stakeholders involved, it often felt like every opinion needed to be accommodated, which led to frequent changes in scope and a lack of clear direction. Looking back, I realized that setting clearer boundaries early on and limiting key communicators to a smaller, more focused group would have helped streamline decision-making and protect the project from unnecessary detours. This experience taught me the value of defining roles, expectations, and communication structures up front to keep the project on track.
Importance of Prototype
Importance of Prototype
Importance of Prototype
We initially built a high-functioning prototype using ProtoPie to demonstrate complex interactions. While it was impressive, the constant and heavy iterations made it difficult to keep up with the pace of changes. Maintaining such a detailed prototype became time-consuming and unsustainable. If I could go back, I would opt for a more flexible and faster-to-update tool like Figma, which would have allowed us to iterate more efficiently without compromising momentum.
We initially built a high-functioning prototype using ProtoPie to demonstrate complex interactions. While it was impressive, the constant and heavy iterations made it difficult to keep up with the pace of changes. Maintaining such a detailed prototype became time-consuming and unsustainable. If I could go back, I would opt for a more flexible and faster-to-update tool like Figma, which would have allowed us to iterate more efficiently without compromising momentum.