Communication

Bumpy Prevent overspending with payment friction

Extra Form

Country	Korea
Year	2024
Award	WINNER
Affiliation	Hongik University
Designer	Subin Choi, Eunji Ha, Haeeun Shin, Geurin Kim, Jiwon Han
Description(English)	Mobile payments have made purchases incredibly convenient. However, their focus on a fast and simple procedure can potentially lead to overspending. Is a simple mobile payment service truly beneficial? To address this concern, Bumpy introduces intentional friction during the payment process to help users reconsider their purchases. Users can set weekly budgets and track their spending with a visualized calendar. Additionally, Bumpy offers a "spending cutting mode" that adjusts based on budget usage, helping users stick to their budget. Through these features, Bumpy aims to cultivate responsible spending habits.
Description(Native)	소비 전 잠시 멈춰 생각해 보세요! 간편결제가 모바일 환경에 도입되면서 편리한 구매가 가능해진 한편, 너무나도 간편한 결제 과정으로 인해 과소비 문제가 증가하고 있습니다. 모바일 간편결제사들은 신속하고 간편한 결제 방식에만 초점을 두어 서비스를 제공하고 있지만, 이러한 소비 환경은 결제에 대한 부담감을 줄이고 지출에 대한 심리 장벽을 낮추어 소비자의 과도한 지출을 초래하고 있었습니다. 간편결제, 과연 사용자에게 유용하기만 한 서비스일까요? 이러한 다크패턴을 해결하고자 소비자의 책임감 있는 소비를 도와주는 페이서비스를 제안합니다. 범피(Bumpy)는 결제 과정에서 사용자의 소비 흐름에 의도적인 마찰을 주어 현재의 소비를 돌아볼 기회를 제공합니다. 사용자들은 서비스 내에서 주 단위로 예산을 설정할 수 있으며, 사용자들이 소비 현황을 쉽게 파악할 수 있도록 범피만의 시각적 특색이 담긴 달력을 제공합니다. 예산 사용 정도에 따라 소비 방지 모드 단계가 조정되어, 결제 과정 속 설계된 마찰을 통해 사용자가 설정한 예산을 지킬 수 있도록 도와줍니다. 범피와 함께 소비에 대한 책임을 길러보세요!
Website	www.behance.net/gallery/201633421/Bumpy-%28Mobile-Payment-App%29
Positive Comments
Judging Comments	Bumpy is praised for addressing the issue of overspending in mobile payments by introducing intentional friction. Its features, such as weekly budget setting, spending tracking with a visualized calendar, and a "spending cutting mode," encourage users to reconsider purchases and cultivate responsible spending habits. This innovative approach earned it the Winner title, showcasing a commitment to financial well-being and mindful spending.

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