Accessibility through photo payment

Accessibility is an area that is clearly benefiting from more and more possibilities in the course of digitization. Accessibility is about making things accessible to all people in such a way that no outside help is required under any circumstances. Older people often benefit from this, but so do people with physical or mental disabilities. Accessibility is playing an increasingly important role, particularly on the Internet and in mobile applications—not least because many new opportunities are opening up here.
Accessible information technology – especially in everyday life.

Accessible information technology – especially in everyday life.

Apps and other mobile applications fall under the umbrella term information technology. Here, too, accessibility plays a major role. Accessible information technology can manifest itself in many different ways. The following factors play a role here:

• Technical requirements:
  Accessibility is given if no user group is disadvantaged in a purely technical way. A common example is offering apps that can only be used on devices with iOS operating systems. This automatically excludes other operating systems. Web apps are a good example here, as they work on multiple operating systems and can be accessed from different devices.
• Differences in implementation:
  In order to design mobile applications in such a way that they can be used by anyone, a suitable user interface is also required. This includes, for example, the font type and size, but also the placement of certain buttons or the forwarding between several steps. Here the setting of hyperlinks is a practical solution, but also the integration of images around graphics. Attention should also be paid to design options, such as contrasts or the inclusion of foreign words. Basically, it is about how an application is structured and designed so that every user, no matter with what limitation, can use this application as planned. What is relevant here is how the function works in everyday life.To create barrier-free information technology, there is also a federal ordinance, now already in its second version, which specifies which steps lead to developing information technology that is as barrier-free as possible.

  But what does accessible information technology have to do with the photo payment?

  Gini developed the photo payment with the idea of simplifying mobile banking. The tedious typing of bank data and payment information should be eliminated. With just one photo, a complete transfer can be made within a few seconds. The result: a unique user experience – for everyone! Because accessibility is a top priority for Gini’s photo payment. By introducing a new UI/UX design in April 2023, we have raised the standards for usability and accessibility in online banking to a new level. This is mainly due to:

• An ease of use: with just one click, transfers can be made. Whether the photo is taken directly in the app or has already been made and is uploaded from the photo folder, the user is guided step by step at every point all the way to the completed transaction.
• A streamlined user interface: Gini adapts to the design of your banking app. This means that the UI/UX of the banking app is adopted, for example, when confirming the transaction, so the user does not have to get used to new colors, buttons or processes.
• The highest technical standards: Features like “Open With” or facial recognition, make it much easier for all users to use the app. In addition, the technology impresses with its speed and ensures significant time savings here.
  Overall, the photo payment clearly contributes to increasing the accessibility of mobile banking applications. This is particularly advantageous for certain groups.

  Who benefits from the photo payment?

  Accessibility is intended to ensure that every person has the same opportunities. This is often specifically about disabled, sick or elderly people, who do not have to experience any restrictions as a result of accessibility – not even with mobile applications. We found that photo referral is especially used and also recommended by people over 55 years of age (you can find the entire study on this here). Older people in particular, who usually have fewer points of contact with technical applications, therefore benefit from the photo payment. This ensures that the banking app itself is also used more frequently and banks can thus increase customer lifetime value through upselling and crossselling.

  Photo payment is for everyone. Both for digital natives and for people with limitations. We want to make banking as easy and user-friendly as possible for everyone. More information about our automagic photo payment can be found here.