Designing Mobile Payment Experiences
Principles and Best Practices for Mobile Commerce
Publisher: O'Reilly Media
Final Release Date: August 2014
Pages: 242

Now that consumer purchases with mobile phones are on the rise, how do you design a payment app that’s safe, easy to use, and compelling? With this practical book, interaction and product designer Skip Allums provides UX best practices and recommendations to help you create familiar, friendly, and trustworthy experiences.

Consumers want mobile transactions to be as fast and reliable as cash or bank cards. This book shows designers, developers, and product managers—from startups to financial institutions—how to design mobile payments that not only safeguard identity and financial data, but also provide value-added features that exceed customer expectations.

  • Learn about the major mobile payment frameworks: NFC, cloud, and closed loop
  • Examine the pros and cons of Google Wallet, Isis, Square, PayPal, and other payment apps
  • Provide walkthroughs, demos, and easy registration to quickly gain a new user’s trust
  • Design efficient point-of-sale interactions, using NFC, QR, barcodes, or geolocation
  • Add peripheral services such as points, coupons and offers, and money management
Table of Contents
Product Details
About the Author
Recommended for You
Customer Reviews

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oreillyDesigning Mobile Payment Experiences
 
4.2

(based on 5 reviews)

Ratings Distribution

  • 5 Stars

     

    (4)

  • 4 Stars

     

    (0)

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    (1)

80%

of respondents would recommend this to a friend.

Pros

  • Easy to understand (5)
  • Well-written (5)
  • Helpful examples (4)
  • Accurate (3)
  • Concise (3)

Cons

    Best Uses

    • Novice (3)
    • Student (3)
      • Reviewer Profile:
      • Designer (3), Educator (3)

    Reviewed by 5 customers

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    5.0

    Desperately Seeking UX Unicorns

    By kt

    from dc

    Verified Reviewer

    Pros

    • Accurate
    • Concise
    • Easy to understand
    • Helpful examples
    • Well-written

    Cons

      Best Uses

        Comments about oreilly Designing Mobile Payment Experiences:

        Everyone is talking about UX but it's hard to find the unicorns that do it well. Skip's book clearly defines the parameters needed to win in the payment space. He gives real examples and real tools. Refreshing in a sea of confusion about what UX is, who does it well, where and why. It helped me understand how to apply it to my use case and understand that UX is not a new thing we all need to buy. It's the 21st century's way of making sure your brand sticks.
        thanks

         
        5.0

        Desperately Seeking UX Unicorn

        By kt

        from dc

        Pros

        • Accurate
        • Concise
        • Easy to understand
        • Helpful examples
        • Well-written

        Cons

          Best Uses

            Comments about oreilly Designing Mobile Payment Experiences:

            Everyone is talking about UX but it's hard to find the uniforms that do it well. Skip's book clearly defines the parameters needed to win in the payment space. He gives real examples and real tools. Refreshing in a sea of confusion about what UX is who does it well, where and why. It helped me understand how to apply it to my use case and understand that UX is not some new thing we all need to buy. It's the 21st century's way of making sure your brand sticks.
            thanks

             
            5.0

            Great Book on Mobile Banking

            By UX | Visual Designer

            from Walnut Creek

            About Me Designer, Developer, Educator

            Pros

            • Accurate
            • Concise
            • Easy to understand
            • Helpful examples
            • Well-written

            Cons

              Best Uses

              • Expert
              • Intermediate
              • Novice
              • Student

              Comments about oreilly Designing Mobile Payment Experiences:

              Ive had the pleasure of seeing Skip speak in person and this book contains some of his personality which makes for a very entertaining read. Any book on mobile banking would be boring to read, but the author makes it interesting with real world common sense. The author is very knowledgable and you can tell he really enjoys all things mobile, which gets the reader excited as well. This is a great read.

               
              5.0

              Valuable read for UX and Product Owners

              By El Guapo

              from Boston, MA

              About Me Designer, Educator, Strategist

              Verified Reviewer

              Pros

              • Easy to understand
              • Helpful examples
              • Holistic
              • Well-written

              Cons

                Best Uses

                • Intermediate
                • Novice
                • Student

                Comments about oreilly Designing Mobile Payment Experiences:

                I found this book to be a thorough collection of design patterns, as well as a very helpful explanation of how people think about money and the mechanics of mobile payments at a high level. For interaction and experience designers, as well as product managers working on a P2P or other payment app, this is a quick, helpful read to get oriented and start to assemble solid designs that users will quickly recognize and employ.

                The book runs through a high level overview of what mobile money is, is becoming, and should be from a UX perspective. The author's goal is to have the reader know enough to get started in thinking through building out mobile payment interactions. The book's scope is comprehensive, covering the roots of money, how users think about it, what the ecosystem is now, and how to execute based on those factors. One challenge that we all face in the industry is that we're not prescient - this book was published before ApplePay was released - but it still covers the important technologies and how they work, as well as fundamental design patterns.

                One thing that I like about the book is it's holistic nature. It does not focus just on UI design, or ecosystem constraints. Instead, the author takes time to set context around why/why/how these things matter, and then sends the reader into important subtopics that set context around why certain things are the way they are. This helps readers get their arms around the bigger picture, which inevitably leads to better tactical design. As an interaction designer, i find that the higher level information like this makes it easier to think of how the details fit together.

                This book it is not a technical manual for developers, and does not explore the arcana of the laws and infrastructure that govern mobile transactions. That said, anyone who is looking for a foray into how to build trust with the user, reference a wide array of design patterns, and quickly design interfaces that adheres to best practice will find it to be a valuable tool.

                (3 of 3 customers found this review helpful)

                 
                1.0

                Not enough depth to be used in the field

                By Muzietto

                from Milano, Italy

                About Me Designer, Educator

                Verified Reviewer

                Pros

                • Easy to understand
                • Well-written

                Cons

                • Too basic

                Best Uses

                • Novice
                • Student

                Comments about oreilly Designing Mobile Payment Experiences:

                I am a developer and last July started working for a mobile payment company, having at that time very little experience of the specific matter. I bought this book and read it right away, in order to learn the tools of the trade, but I got disappointed to discover that most of the content was already known to me by just being a curious person living in this techno world, and that the exposition was absolutely insufficient to communicate effectively with my marketing/prodDev colleagues.
                My daily work rotates around concepts like "transfer-in", "opt-in", "mobile-originated", etc. which are never to be found in the book: I found out that among practitioners (starting from the marketeers and product developers!!) it has been created and shared a structured view to classify and describe each payment flow. Product design takes place in a technically-laden ecosystem populated by several stakeholders (aggregators, ad-networks, carriers, merchants, financial institutions, sw/hw companies, etc.), according to clear-cut laws dictated by economics, regulations and technology boundaries & contraints.
                Designing a payment experience without clear understanding of the structure of the flows and of the real ecosystem is bound to become an exercise in irrelevance.
                I expect O'Reilly to provide me with useful tools for my real job and this book does not reach the levels I've come to expect from this publisher.
                My take is that this book is too superficial to be useful for real product design/development field work and that at maximum it may be considered a starting block for young well-willing professionals and/or salespeople. I'd dread any manager, product developer or tech marketeer that would come to define product features, and consequently development goals, at the level of detail of what is to be found in this book.

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