Observations & Interviews

User Classes

Students

• Students often enjoy having meals or shopping together with friends.
• Most students prefer paying individually by splitting the bill.
• Some teenagers do not have credit card or checking account so that they have to pay by cash, which makes the paying process even more inefficient.

Working Professionals

• Many working professionals hold group meetings during meal time
• They are usually very busy and they might be happy to use an efficient paying method

Clubs/Organizations

• Organizations often need to purchase public facilities, which should be paid by every member.
• The amount in the bill might be relatively large.

Needs & Goals

People who make the payment

• An easy and secure way for one person to make a payment and be reimbursed by other members of the group
• A way for a user to remind people that owe them

People who need to pay back afterwards

• An easy and secure way for a person to allow someone to make a payment and either deduct the money he owes from his or her account, or to create an IOU virtual receipt
• A way to keep track of payments and debts