The product is the payment system is fully integrated into both the POS and other features of the Website Usaha platform, ensuring smooth and seamless transactions across all functionalities.
The business challenge combine multiple payment channels into one unified system to simplify the payment process and make digital transactions more efficient.
My role as a Product Designer I work cross-functionally, collaborating with product managers, developers, and testers. My responsibilities are more in-depth when it comes to a product.
Payment Method:
Once the Virtual Account is selected, click on the bank to make the payment.
The "Pay" button will then be activated.
Transaction History:
If the Virtual Account payment hasn't been made yet, click "See Transaction" to view the transaction details.
Payment Completed:
This marks the end of the payment process and the creation of the transaction.
Change Payment
The payment method can be changed to another option, but only once.
Payment System
Point of Sale
Feature of Qasir
Backoffice
Wallet
Web Usaha
Mini website help merchant their own catalog online
Rebuilding the payment system at the point of sale to make it easier for users to make payments and integrate with payment gateways.
Payment System
Point of Sale
Feature of Qasir
Backoffice
Wallet
Web Usaha
Mini website help merchant their own catalog online
Buyer’s Option
Buyers can choose to order with regular shipping, store delivery, or online delivery.
For payments, buyers have several options: Virtual Account, Bank Transfer, Digital Payment, or payment at a mini-market.
Digital Wallet
Collaboration with payment gateways.
Condition
Automate payment settlement for the system
Keep the balance active
Ensure transparent MDR (Merchant Discount Rate) sharing
Clarify third-party share requirements
Qasir should promptly transfer the seller's money from third parties.
Seller / Merchant
Auto disbursement: Sellers receive their payments within 2 days.
Sellers get detailed transaction info, including their earnings (based on disbursement).
Sellers need to provide their account number for disbursement, which is used for data transfer.
Transaction history is available in the balance (wallet) for financial reporting.
Sellers have access to various payment channels.
New Order
Online payment methods available include virtual accounts.
In-store payments are offered by the cashier through Qasir.
Service
Third-party users' money is collected and delivered to Qasir.
Qasir updates the balance (wallet) with the user's funds and disburses the seller's money through the back office.
Transaction
When receiving orders, ask for the payment method—QRIS should display the QR code.
Then, process the disbursement through finance.
Problem
Guest ID: User hasn't logged in yet.
Manual transfers: Not a secure option for transactions.
Problem
The manual KYC process isn't secure for user data.
Manual checks for settlement before disbursement are required.
Problem
Communication with buyers is still done manually through WhatsApp.
There’s access to provide updates and information.
Disbursement process is transparent.
Usecase Categories
Problem
Conclusion
Buyer’s Option
Buyers can choose to order with regular shipping, store delivery, or online delivery.
For payments, buyers have several options: Virtual Account, Bank Transfer, Digital Payment, or payment at a mini-market.
Digital Wallet
Collaboration with payment gateways.
Condition
Automate payment settlement for the system
Keep the balance active
Ensure transparent MDR (Merchant Discount Rate) sharing
Clarify third-party share requirements
Qasir should promptly transfer the seller's money from third parties.
Seller / Merchant
Auto disbursement: Sellers receive their payments within 2 days.
Sellers get detailed transaction info, including their earnings (based on disbursement).
Sellers need to provide their account number for disbursement, which is used for data transfer.
Transaction history is available in the balance (wallet) for financial reporting.
Sellers have access to various payment channels.
New Order
Online payment methods available include virtual accounts.
In-store payments are offered by the cashier through Qasir.
Service
Third-party users' money is collected and delivered to Qasir.
Qasir updates the balance (wallet) with the user's funds and disburses the seller's money through the back office.
Transaction
When receiving orders, ask for the payment method—QRIS should display the QR code.
Then, process the disbursement through finance.
Problem
Guest ID: User hasn't logged in yet.
Manual transfers: Not a secure option for transactions.
Problem
The manual KYC process isn't secure for user data.
Manual checks for settlement before disbursement are required.
Problem
Communication with buyers is still done manually through WhatsApp.
There’s access to provide updates and information.
Disbursement process is transparent.
Usecase Categories
Problem
Conclusion
Developing this system requires careful planning due to its complexity and interdependencies. It begins with in-depth research to understand the necessary connections and data needs, followed by clear communication with third parties.
By anticipating challenges and potential scenarios, we ensure a smooth, efficient development process. Lastly, a well-structured framework guides the development, ensuring everything flows seamlessly.
Developing this system requires careful planning due to its complexity and interdependencies. It begins with in-depth research to understand the necessary connections and data needs, followed by clear communication with third parties.
By anticipating challenges and potential scenarios, we ensure a smooth, efficient development process. Lastly, a well-structured framework guides the development, ensuring everything flows seamlessly.
The product is the payment system is fully integrated into both the POS and other features of the Website Usaha platform, ensuring smooth and seamless transactions across all functionalities.
The business challenge combine multiple payment channels into one unified system to simplify the payment process and make digital transactions more efficient.
My role as a Product Designer I work cross-functionally, collaborating with product managers, developers, and testers. My responsibilities are more in-depth when it comes to a product.
Payment System for POS
Payment System for POS
Rebuilding the payment system at the point of sale to make it easier for users to make payments and integrate with payment gateways.
Not education yet
User just know shopee app
Never try
For using digital payment, give it to their people already understand
Need specific page for QRIS information
An illustration that shows how to use the platform while highlighting its benefits
Wording as casual and clear
Never try
Didn’t know more, afraid to explained
Problem
Conclusion
Objection
The surroundings didin’t user QRIS on Qasir’s list option
Less Information, Less Education
The user gains a clear and detailed understanding of QRIS (Quick Response Code Indonesian Standard) knowledge.
Didn’t know
Just applied on specific area
Not education yet
User just know shopee app
Never try
For using digital payment, give it to their people already understand
Need specific page for QRIS information
An illustration that shows how to use the platform while highlighting its benefits
Wording as casual and clear
Never try
Didn’t know more, afraid to explained
Problem
Conclusion
Objection
The surroundings didin’t user QRIS on Qasir’s list option
Less Information, Less Education
The user gains a clear and detailed understanding of QRIS (Quick Response Code Indonesian Standard) knowledge.
Didn’t know
Just applied on specific area
PT Solusi Teknologi Niaga
Point of Sale (POS)
Full time
Hybrid
Aug 2020 - Mei 2021
PT Solusi Teknologi Niaga
Point of Sale (POS)
Full time
Hybrid
Aug 2020 - Mei 2021
Developing this system requires thoughtful attention to its complexity and the connections between its components.
Start by conducting thorough research to understand the necessary connections and data requirements.
Maintain clear communication with third parties involved in the process.
Anticipate potential challenges and scenarios to ensure the development is robust and efficient.
Finally, establish a well-defined structure and flow for the system to guide the development process effectively.
Developing this system requires thoughtful attention to its complexity and the connections between its components.
Start by conducting thorough research to understand the necessary connections and data requirements.
Maintain clear communication with third parties involved in the process.
Anticipate potential challenges and scenarios to ensure the development is robust and efficient.
Finally, establish a well-defined structure and flow for the system to guide the development process effectively.
Option 1
Option 2
Option 3
A/B testing using Maze
Result 80% : Option 2
Provide clear information about digital payments so users are aware of the available payment options
Option 1
Option 2
Option 3
A/B testing using Maze
Result 80% : Option 2
Provide clear information about digital payments so users are aware of the available payment options
Usecase
Usecase
Collecting user interview results and categorizing them.
Collecting user interview results and categorizing them.
Problem : QRIS
Problem : QRIS
User interview results
User interview results
Testing : Payment Getaway
Testing : Payment Getaway
Testing by online to try our user
Testing by online to try our user
Qasir : QRIS
Qasir : QRIS
How users can access instructions and information using QRIS.
How users can access instructions and information using QRIS.
Qasir : Payment Method
Qasir : Payment Method
Payments for transactions on the business website (Qasir product channel) only offer COD. However, there are many challenges with COD transactions, so a payment system was developed using a payment gateway. During the process of choosing which payment gateway to use, we compared them based on the MDR to ensure that neither the user (merchant or consumer) would be at a disadvantage.
Payments for transactions on the business website (Qasir product channel) only offer COD. However, there are many challenges with COD transactions, so a payment system was developed using a payment gateway. During the process of choosing which payment gateway to use, we compared them based on the MDR to ensure that neither the user (merchant or consumer) would be at a disadvantage.
Payment Method:
Once the Virtual Account is selected, click on the bank to make the payment.
The "Pay" button will then be activated.
Transaction History:
If the Virtual Account payment hasn't been made yet, click "See Transaction" to view the transaction details.
Payment Completed:
This marks the end of the payment process and the creation of the transaction.
Change Payment
The payment method can be changed to another option, but only once.
Building the system is complex. It’s important to understand how everything connects under different conditions. This requires thorough research, gathering data, and communicating with third parties. It's crucial to anticipate potential scenarios for development. The structure and flow need to be clear and well-defined.
Building the system is complex. It’s important to understand how everything connects under different conditions. This requires thorough research, gathering data, and communicating with third parties. It's crucial to anticipate potential scenarios for development. The structure and flow need to be clear and well-defined.
