"Greencard: Empowering US payments, reimagined with ACHQ technology."

Greencard is a mobile application designed to act as a third-party payment application in the US market. It leverages the ACHQ technology to enable seamless, fast and secure transactions for various purposes in US.

This UX case study will explore the user experience considerations, design process, and key features of Greencard.




Responsive web, Mobile application


Digital Payments


The Challenge

The current payment landscape in the US is fragmented and lacks a unified platform that fulfills the crucial need for secure, fast, and convenient transactions for users. Presently, users face the challenge of dealing with multiple payment applications, each with its own set of limitations and distinct interfaces. This creates a cumbersome experience for users who seek a more streamlined and user-friendly approach to managing their payments.

Project Description

Greencard is an innovative mobile application that aims to revolutionize the payment landscape in the US market. Leveraging the ACHQ technology, Greencard acts as a third-party payment app, providing users with a seamless, fast, secure, and convenient platform for various transactions. By integrating with existing banking systems and partnering with major retailers and service providers, Greencard offers an all-in-one solution for users' payment needs.

Target Audience

The primary target audience for Greencard includes smartphone users in the United States aged above 18.

  • This demographic encompasses a diverse range of individuals with varying technical proficiency and payment needs. Greencard aims to cater to both tech-savvy users seeking a seamless payment experience and those who are less familiar with digital payment platforms

The Approach

Greencard takes a user-centric approach to revolutionize payments in the US market. It fosters merchant integration, allowing users to make payments across various retailers through QR code scanning and loyalty program integration. Transaction history, analytics, and budgeting tools empower users to manage their finances effectively.




Qualitative research involves collecting non-numerical data to gain a deeper understanding of user experiences, perceptions, and motivations. It provides subjective insights and helps uncover underlying reasons and behaviors. Here are some qualitative research methods suitable for the case study:

Key Insight Derived from Interview Round

  • Security is paramount: Users prioritize robust security measures in a payment application.
  • Simplified and intuitive experience: Users desire a seamless and user-friendly payment interface.
  • Better expense tracking: Users seek improved transaction categorization, detailed history, and spending analytics.
  • Integration with loyalty programs is valued: Users appreciate the convenience of earning and redeeming rewards within the app.
  • Responsive and accessible customer support: Users expect prompt and comprehensive assistance channels within the payment app.



Quantitative research involves gathering numerical data and analyzing it statistically to identify patterns, trends, and relationships. It provides objective and measurable insights. Here are some quantitative research methods suitable for the case study:


Key Insight Derived

  1. Convenience drives adoption: A majority of US citizens find mobile payment apps more convenient than traditional payment methods.
  2. Security concerns persist: A significant percentage of US citizens express concerns or have encountered security issues when using mobile payment apps.
  3. Loyalty program integration influences choice: Integration with popular loyalty programs significantly impacts the preference for a payment app among US citizens.
  4. User-friendly interface is crucial: US citizens are more likely to abandon transactions due to complicated or confusing user interfaces in mobile payment apps.
  5. Trust in mobile payment apps exists: A majority of US citizens consider mobile payment apps to be a secure method for transactions.