Design Considerations for Real-Time Payment Systems and Emerging Users
Resumo
Real-time payment systems have become popular in many countries. In Brazil, with the emergence of Pix in 2020, several people are migrating to this tool to obtain new payment and income acquisition forms. However, the social characteristics of people facing longitudinal barriers, access to formal education, and computational systems (emergent users) must be considered to improve digital and financial access. Our work aims to provide design considerations to develop affordable real-time payment systems for emergent users. Software development professionals, riverside dwellers, and residents of an Amazonian city participated in this study. The research combined a set of methodological procedures: literature review, questionnaires, interviews, and case studies. The communicability assessment method was used in case studies. As a result, we present 29 considerations that can be used to develop accessible real-time payment systems for emergent users.
Palavras-chave:
Accessibility, Emergent Users, Software development
Referências
ACI Worldwide. 2023. Prime Time for Real-Time Global Payments Report. Technical Report.
Bacen. 2022. Manual de Uso da Marca. [link]
Bacen. 2022. Relatório de Economia Bancária. Technical Report. [link]
Bacen. 2022. Requisitos Mínimos para a Experiência do Usuário. [link]
Simone Diniz Junqueira Barbosa, Bruno Santana da Silva, Milene Selbach Silveira, Isabela Gasparini, Ticianne Darin, and Gabriel Diniz Junqueira Barbosa. 2021. Interação Humano-Computador e Experiência do Usuário. Autopublicação.
Eliane Pinheiro Capra, Simone Bacellar Leal Ferreira, João Marcelo Marques, and Samuel Santos Portela. 2021. Acessibilidade de Interfaces Web para Cuidadores com Baixa Escolaridade: Aspectos e Reflexões. Conexões-Ciência e Tecnologia 15 (2021), 021026.
Caio Carvalho, Luciano Teran, and Marcelle Mota. 2022. A set of customizable features for adaptable games. Journal on Interactive Systems 13, 1 (Aug. 2022), 139–153. DOI: 10.5753/jis.2022.2428
Caio Carvalho, Luciano Teran, Marcelle Mota, and Roberto Pereira. 2022. A systematic mapping study on digital game adaptation dimensions. In Proceedings of the 21st Brazilian Symposium on Human Factors in Computing Systems. 1–14.
Thayssa A da Rocha, Alan TA Silva, Aline F dos A Lima, André LC Pinheiro, Luciano A Teran, and Cleidson RB de Souza. 2022. Socialização em Equipes Remotas durante a Pandemia de COVID-19: Resultados de uma Pesquisa-Ação. In Anais do XVII Simpósio Brasileiro de Sistemas Colaborativos. SBC, 91–104.
Alan Trindade de Almeida Silva, Luciano Arruda Teran, Thayssa Aguila da Rocha, and Marcelle Pereira Mota. [n. d.]. A Study on Accessibility Aspects of Software Development in Brazil. In 19th CONTECSI International Conference on Information Systems and Technology Management. TECSI. DOI: 10.5748/19contecsi/pse/esd/6924
Alan Trindade de Almeida Silva, Luciano Arruda Teran, Thayssa Águila Rocha, and Marcelle Pereira Mota. 2023. Exploring Design Thinking as a Software Accessibility Awareness Raising Methodology in Computing Courses. Anais do Computer on the Beach 14 (2023), 325–332.
Núcleo de Informação e Coordenação do Ponto BR. 2022. Resumo Executivo - Pesquisa sobre o uso das Tecnologias de Informação e Comunicação nos domicílios brasileiros - TIC Domicílios 2021. [link]
Núcleo de Informação e Coordenação do Ponto BR. 2023. Pesquisa sobre o uso das tecnologias de informação e comunicação nos domicílios brasileiros: pesquisa TIC Domicílios. [link]
C.S. De Souza and C.F. Leitão. 2009. Semiotic Engineering Methods for Scientific Research in HCI. Morgan & Claypool Publishers.
Devanuj and Anirudha Joshi. 2013. Technology Adoption by ’emergent’ Users: The User-Usage Model(APCHI ’13). Association for Computing Machinery, New York, NY, USA, 28–38. DOI: 10.1145/2525194.2525209
Mrunal Dhaygude and Dipanjan Chakraborty. 2020. Rethinking Design of Digital Platforms for Emergent Users: Findings from a Study with Rural Indian Farmers(IndiaHCI 2020). Association for Computing Machinery, New York, NY, USA, 62–69. DOI: 10.1145/3429290.3429297
Banco Central do Brasil. 2022. O que é Pix. [link]
Fred France and Dela Selormey. 2009. Biometrics improving financial accessibility. Biometric Technology Today 2009, 7 (2009), 10–11.
Meghna Gupta, Devansh Mehta, Anandita Punj, and Indrani Medhi Thies. 2022. Sophistication with Limitation: Understanding Smartphone Usage by Emergent Users in India. In ACM SIGCAS/SIGCHI Conference on Computing and Sustainable Societies (COMPASS) (Seattle, WA, USA) (COMPASS ’22). Association for Computing Machinery, New York, NY, USA, 386–400. DOI: 10.1145/3530190.3534824
[link] br/. 2023. Bancos deixarão de oferecer transferências via DOCs até fevereiro de 2024. [link]
IBGE. 2022. Pesquisa Nacional por Amostra de Domicílios Contínua. Technical Report. [link]
IBGE. 2022. Pesquisa Nacional por Amostra de Domicílios Contínua. Technical Report. [link]
Icons8. 2022. Ícones, ilustrações, fotos, músicas e ferramentas de design. [link]
Yi Hyun Jang, Soo Han Im, Younah Kang, and Joon Sang Baek. 2022. Relational Agents for the Homeless with Tuberculosis Experience: Providing Social Support Through Human–Agent Relationships. ACM Trans. Interact. Intell. Syst. 12, 2, Article 15 (jul 2022), 22 pages. DOI: 10.1145/3488056
Brett Hudson Matthews, Richa Valechha, Vivek Anand, Avantika Kushwaha, Saborni Poddar, and Rachit Ohri. 2017. Digital Wallet Adoption for Oral Segment in India. Digital Wallet Adoption for Oral Segment in India.
Indrani Medhi, Somani Patnaik, Emma Brunskill, S.N. Nagasena Gautama, William Thies, and Kentaro Toyama. 2011. Designing Mobile Interfaces for Novice and Low-Literacy Users. 18, 1, Article 2 (may 2011), 28 pages. DOI: 10.1145/1959022.1959024
Indrani Medhi, Archana Prasad, and Kentaro Toyama. 2007. Optimal Audio-Visual Representations for Illiterate Users of Computers. In Proceedings of the 16th International Conference on World Wide Web (Banff, Alberta, Canada) (WWW ’07). Association for Computing Machinery, New York, NY, USA, 873–882. DOI: 10.1145/1242572.1242690
Débora Maurmo Modesto and Simone Bacellar Leal Ferreira. 2013. Acessibilidade de recursos em uma interface de motor de busca com foco em usuários com baixo letramento.. In IHC. 32–41.
ONU. 2015. Transformando Nosso Mundo: A Agenda 2030 para o Desenvolvimento Sustentável. [link]
Samara Fernandes Pimentel, Paulo Weskley de Almeida Ferreira, Luciano Teran, and Marcelle Pereira Mota. 2020. LocaLibras: An Inclusive Geolocation Application(IHC ’20). Association for Computing Machinery, New York, NY, USA, Article 52, 6 pages. DOI: 10.1145/3424953.3426653
Shan M Randhawa, Tallal Ahmad, Jay Chen, and Agha Ali Raza. 2021. Karamad: A Voice-based Crowdsourcing Platform for Underserved Populations. In Proceedings of the 2021 CHI Conference on Human Factors in Computing Systems. 1–15.
Thayssa Rocha, Luciano Teran, Alan Silva, Cleidson Souza, and Marcelle Mota. 2023. Awareness no Desenvolvimento Colaborativo Remoto: Uma Perspectiva Sobre Acessibilidade. In Anais do XVIII Simpósio Brasileiro de Sistemas Colaborativos (Rio de Janeiro/RJ). SBC, Porto Alegre, RS, Brasil, 140–153. DOI: 10.5753/sbsc.2023.229103
Ingrid M Miranda da Silva, Luciano Arruda Teran, and Marcelle Pereira Mota. 2022. Accessibility assessment of violations on the stack overflow platform. In Proceedings of the 21st Brazilian Symposium on Human Factors in Computing Systems. 1–7.
Ayushi Srivastava, Shivani Kapania, Anupriya Tuli, and Pushpendra Singh. 2021. Actionable UI Design Guidelines for Smartphone Applications Inclusive of Low-Literate Users. 5, CSCW1, Article 136 (apr 2021), 30 pages. DOI: 10.1145/3449210
Von Harrison Tadaiesky, Marcus Victor Kenjiro, Isabela Lopes Batista, Járlesson Gama Amazonas Júnior, Luciano Teran, Caio de Carvalho, and Marcelle Mota. 2021. Um Estudo de Caso Sobre Jogos Adaptáveis: Ritmo Mania e Quebra-Cabeça. In Anais Estendidos do XX Simpósio Brasileiro de Jogos e Entretenimento Digital (Online). SBC, Porto Alegre, RS, Brasil, 981–984. DOI: 10.5753/sbgames_estendido.2021.19741
Luciano Arruda Teran. 2022. Considerações de Design para Sistemas de Pagamentos Instantâneos e Usuários Emergentes. Master’s thesis. Universidade Federal do Pará.
Luciano Arruda Teran, Alan Trindade de Almeida Silva, Giselle Lorrane Nobre Melo, and Marcelle Pereira Mota. 2021. Intelligent Approaches in the Software Development Process: a Systematic Literature Mapping. In X Latin American Conference on Human-Computer Interaction. 1–5.
Luciano Arruda Teran, Alan Trindade de Almeida Silva, Giselle Lorrane Nobre Melo, and Marcelle Pereira Mota. 2021. A Study On Discovering Accessibility Issues In The Software Development Process. In CONTECSI - International Conference on Information Systems and Technology Management. TECSI. DOI: 10.5748/18contecsi/pse/esd/6849
Indrani Medhi Thies. 2015. User interface design for low-literate and novice users: Past, present and future. Foundations and Trends® in Human–Computer Interaction 8, 1 (2015), 1–72.
Rucha Tulaskar. 2020. Study of Instructional Illustrations on ICTs: Considering Persona of Low-Literate Users from India. In Proceedings of the 2020 Symposium on Emerging Research from Asia and on Asian Contexts and Cultures (Honolulu, HI, USA) (AsianCHI ’20). Association for Computing Machinery, New York, NY, USA, 53–56. DOI: 10.1145/3391203.3391217
Fernando Veloso, Fernando de Holanda Barbosa Filho, and Paulo Peruchetti. 2022. Impactos da educação no mercado de trabalho. Instituto Brasileiro de Economia (2022), 18. [link]
Bacen. 2022. Manual de Uso da Marca. [link]
Bacen. 2022. Relatório de Economia Bancária. Technical Report. [link]
Bacen. 2022. Requisitos Mínimos para a Experiência do Usuário. [link]
Simone Diniz Junqueira Barbosa, Bruno Santana da Silva, Milene Selbach Silveira, Isabela Gasparini, Ticianne Darin, and Gabriel Diniz Junqueira Barbosa. 2021. Interação Humano-Computador e Experiência do Usuário. Autopublicação.
Eliane Pinheiro Capra, Simone Bacellar Leal Ferreira, João Marcelo Marques, and Samuel Santos Portela. 2021. Acessibilidade de Interfaces Web para Cuidadores com Baixa Escolaridade: Aspectos e Reflexões. Conexões-Ciência e Tecnologia 15 (2021), 021026.
Caio Carvalho, Luciano Teran, and Marcelle Mota. 2022. A set of customizable features for adaptable games. Journal on Interactive Systems 13, 1 (Aug. 2022), 139–153. DOI: 10.5753/jis.2022.2428
Caio Carvalho, Luciano Teran, Marcelle Mota, and Roberto Pereira. 2022. A systematic mapping study on digital game adaptation dimensions. In Proceedings of the 21st Brazilian Symposium on Human Factors in Computing Systems. 1–14.
Thayssa A da Rocha, Alan TA Silva, Aline F dos A Lima, André LC Pinheiro, Luciano A Teran, and Cleidson RB de Souza. 2022. Socialização em Equipes Remotas durante a Pandemia de COVID-19: Resultados de uma Pesquisa-Ação. In Anais do XVII Simpósio Brasileiro de Sistemas Colaborativos. SBC, 91–104.
Alan Trindade de Almeida Silva, Luciano Arruda Teran, Thayssa Aguila da Rocha, and Marcelle Pereira Mota. [n. d.]. A Study on Accessibility Aspects of Software Development in Brazil. In 19th CONTECSI International Conference on Information Systems and Technology Management. TECSI. DOI: 10.5748/19contecsi/pse/esd/6924
Alan Trindade de Almeida Silva, Luciano Arruda Teran, Thayssa Águila Rocha, and Marcelle Pereira Mota. 2023. Exploring Design Thinking as a Software Accessibility Awareness Raising Methodology in Computing Courses. Anais do Computer on the Beach 14 (2023), 325–332.
Núcleo de Informação e Coordenação do Ponto BR. 2022. Resumo Executivo - Pesquisa sobre o uso das Tecnologias de Informação e Comunicação nos domicílios brasileiros - TIC Domicílios 2021. [link]
Núcleo de Informação e Coordenação do Ponto BR. 2023. Pesquisa sobre o uso das tecnologias de informação e comunicação nos domicílios brasileiros: pesquisa TIC Domicílios. [link]
C.S. De Souza and C.F. Leitão. 2009. Semiotic Engineering Methods for Scientific Research in HCI. Morgan & Claypool Publishers.
Devanuj and Anirudha Joshi. 2013. Technology Adoption by ’emergent’ Users: The User-Usage Model(APCHI ’13). Association for Computing Machinery, New York, NY, USA, 28–38. DOI: 10.1145/2525194.2525209
Mrunal Dhaygude and Dipanjan Chakraborty. 2020. Rethinking Design of Digital Platforms for Emergent Users: Findings from a Study with Rural Indian Farmers(IndiaHCI 2020). Association for Computing Machinery, New York, NY, USA, 62–69. DOI: 10.1145/3429290.3429297
Banco Central do Brasil. 2022. O que é Pix. [link]
Fred France and Dela Selormey. 2009. Biometrics improving financial accessibility. Biometric Technology Today 2009, 7 (2009), 10–11.
Meghna Gupta, Devansh Mehta, Anandita Punj, and Indrani Medhi Thies. 2022. Sophistication with Limitation: Understanding Smartphone Usage by Emergent Users in India. In ACM SIGCAS/SIGCHI Conference on Computing and Sustainable Societies (COMPASS) (Seattle, WA, USA) (COMPASS ’22). Association for Computing Machinery, New York, NY, USA, 386–400. DOI: 10.1145/3530190.3534824
[link] br/. 2023. Bancos deixarão de oferecer transferências via DOCs até fevereiro de 2024. [link]
IBGE. 2022. Pesquisa Nacional por Amostra de Domicílios Contínua. Technical Report. [link]
IBGE. 2022. Pesquisa Nacional por Amostra de Domicílios Contínua. Technical Report. [link]
Icons8. 2022. Ícones, ilustrações, fotos, músicas e ferramentas de design. [link]
Yi Hyun Jang, Soo Han Im, Younah Kang, and Joon Sang Baek. 2022. Relational Agents for the Homeless with Tuberculosis Experience: Providing Social Support Through Human–Agent Relationships. ACM Trans. Interact. Intell. Syst. 12, 2, Article 15 (jul 2022), 22 pages. DOI: 10.1145/3488056
Brett Hudson Matthews, Richa Valechha, Vivek Anand, Avantika Kushwaha, Saborni Poddar, and Rachit Ohri. 2017. Digital Wallet Adoption for Oral Segment in India. Digital Wallet Adoption for Oral Segment in India.
Indrani Medhi, Somani Patnaik, Emma Brunskill, S.N. Nagasena Gautama, William Thies, and Kentaro Toyama. 2011. Designing Mobile Interfaces for Novice and Low-Literacy Users. 18, 1, Article 2 (may 2011), 28 pages. DOI: 10.1145/1959022.1959024
Indrani Medhi, Archana Prasad, and Kentaro Toyama. 2007. Optimal Audio-Visual Representations for Illiterate Users of Computers. In Proceedings of the 16th International Conference on World Wide Web (Banff, Alberta, Canada) (WWW ’07). Association for Computing Machinery, New York, NY, USA, 873–882. DOI: 10.1145/1242572.1242690
Débora Maurmo Modesto and Simone Bacellar Leal Ferreira. 2013. Acessibilidade de recursos em uma interface de motor de busca com foco em usuários com baixo letramento.. In IHC. 32–41.
ONU. 2015. Transformando Nosso Mundo: A Agenda 2030 para o Desenvolvimento Sustentável. [link]
Samara Fernandes Pimentel, Paulo Weskley de Almeida Ferreira, Luciano Teran, and Marcelle Pereira Mota. 2020. LocaLibras: An Inclusive Geolocation Application(IHC ’20). Association for Computing Machinery, New York, NY, USA, Article 52, 6 pages. DOI: 10.1145/3424953.3426653
Shan M Randhawa, Tallal Ahmad, Jay Chen, and Agha Ali Raza. 2021. Karamad: A Voice-based Crowdsourcing Platform for Underserved Populations. In Proceedings of the 2021 CHI Conference on Human Factors in Computing Systems. 1–15.
Thayssa Rocha, Luciano Teran, Alan Silva, Cleidson Souza, and Marcelle Mota. 2023. Awareness no Desenvolvimento Colaborativo Remoto: Uma Perspectiva Sobre Acessibilidade. In Anais do XVIII Simpósio Brasileiro de Sistemas Colaborativos (Rio de Janeiro/RJ). SBC, Porto Alegre, RS, Brasil, 140–153. DOI: 10.5753/sbsc.2023.229103
Ingrid M Miranda da Silva, Luciano Arruda Teran, and Marcelle Pereira Mota. 2022. Accessibility assessment of violations on the stack overflow platform. In Proceedings of the 21st Brazilian Symposium on Human Factors in Computing Systems. 1–7.
Ayushi Srivastava, Shivani Kapania, Anupriya Tuli, and Pushpendra Singh. 2021. Actionable UI Design Guidelines for Smartphone Applications Inclusive of Low-Literate Users. 5, CSCW1, Article 136 (apr 2021), 30 pages. DOI: 10.1145/3449210
Von Harrison Tadaiesky, Marcus Victor Kenjiro, Isabela Lopes Batista, Járlesson Gama Amazonas Júnior, Luciano Teran, Caio de Carvalho, and Marcelle Mota. 2021. Um Estudo de Caso Sobre Jogos Adaptáveis: Ritmo Mania e Quebra-Cabeça. In Anais Estendidos do XX Simpósio Brasileiro de Jogos e Entretenimento Digital (Online). SBC, Porto Alegre, RS, Brasil, 981–984. DOI: 10.5753/sbgames_estendido.2021.19741
Luciano Arruda Teran. 2022. Considerações de Design para Sistemas de Pagamentos Instantâneos e Usuários Emergentes. Master’s thesis. Universidade Federal do Pará.
Luciano Arruda Teran, Alan Trindade de Almeida Silva, Giselle Lorrane Nobre Melo, and Marcelle Pereira Mota. 2021. Intelligent Approaches in the Software Development Process: a Systematic Literature Mapping. In X Latin American Conference on Human-Computer Interaction. 1–5.
Luciano Arruda Teran, Alan Trindade de Almeida Silva, Giselle Lorrane Nobre Melo, and Marcelle Pereira Mota. 2021. A Study On Discovering Accessibility Issues In The Software Development Process. In CONTECSI - International Conference on Information Systems and Technology Management. TECSI. DOI: 10.5748/18contecsi/pse/esd/6849
Indrani Medhi Thies. 2015. User interface design for low-literate and novice users: Past, present and future. Foundations and Trends® in Human–Computer Interaction 8, 1 (2015), 1–72.
Rucha Tulaskar. 2020. Study of Instructional Illustrations on ICTs: Considering Persona of Low-Literate Users from India. In Proceedings of the 2020 Symposium on Emerging Research from Asia and on Asian Contexts and Cultures (Honolulu, HI, USA) (AsianCHI ’20). Association for Computing Machinery, New York, NY, USA, 53–56. DOI: 10.1145/3391203.3391217
Fernando Veloso, Fernando de Holanda Barbosa Filho, and Paulo Peruchetti. 2022. Impactos da educação no mercado de trabalho. Instituto Brasileiro de Economia (2022), 18. [link]
Publicado
16/10/2023
Como Citar
TERAN, Luciano Arruda; MOTA, Marcelle Pereira.
Design Considerations for Real-Time Payment Systems and Emerging Users. In: SIMPÓSIO BRASILEIRO SOBRE FATORES HUMANOS EM SISTEMAS COMPUTACIONAIS (IHC), 22. , 2023, Maceió/AL.
Anais [...].
Porto Alegre: Sociedade Brasileira de Computação,
2023
.
