Designing a graphical user interface for healthcare workers in rural India
Proceedings of the ACM SIGCHI Conference on Human factors in computing systems
CHI '02 Extended Abstracts on Human Factors in Computing Systems
Design considerations for a financial management system for rural, semi-literate users
CHI '03 Extended Abstracts on Human Factors in Computing Systems
About Face 2.0: The Essentials of Interaction Design
About Face 2.0: The Essentials of Interaction Design
Design studies for a financial management system for micro-credit groups in rural india
CUU '03 Proceedings of the 2003 conference on Universal usability
Proceedings of the SIGCHI Conference on Human Factors in Computing Systems
Mobile essentials: field study and concepting
DUX '05 Proceedings of the 2005 conference on Designing for User eXperience
Optimal audio-visual representations for illiterate users of computers
Proceedings of the 16th international conference on World Wide Web
Research Approaches to Mobile Use in the Developing World: A Review of the Literature
The Information Society
The digital packaging of electronic money
UI-HCII'07 Proceedings of the 2nd international conference on Usability and internationalization
Mobile-Banking Adoption and Usage by Low-Literate, Low-Income Users in the Developing World
IDGD '09 Proceedings of the 3rd International Conference on Internationalization, Design and Global Development: Held as Part of HCI International 2009
Avaaj Otalo: a field study of an interactive voice forum for small farmers in rural India
Proceedings of the SIGCHI Conference on Human Factors in Computing Systems
FoneAstra: making mobile phones smarter
Proceedings of the 4th ACM Workshop on Networked Systems for Developing Regions
Proceedings of the FSE/SDP workshop on Future of software engineering research
How to sell microinsurance via smartphones: experiences from a first deployment in South Africa
Proceedings of the 9th International Conference on Mobile and Ubiquitous Multimedia
Human–Computer Interaction and Global Development
Foundations and Trends in Human-Computer Interaction
Tangaza: frugal group messaging through speech and text
Proceedings of the First ACM Symposium on Computing for Development
Evaluation of IVR data collection UIs for untrained rural users
Proceedings of the First ACM Symposium on Computing for Development
Evaluating and improving the usability of Mechanical Turk for low-income workers in India
Proceedings of the First ACM Symposium on Computing for Development
Technology for emerging markets at MSR india
Proceedings of the ACM 2011 conference on Computer supported cooperative work
Designing mobile interfaces for novice and low-literacy users
ACM Transactions on Computer-Human Interaction (TOCHI)
The times they are a-changin': mobile payments in india
Proceedings of the SIGCHI Conference on Human Factors in Computing Systems
Adapting usability testing for oral, rural users
Proceedings of the SIGCHI Conference on Human Factors in Computing Systems
Getting in touch with text: designing a mobile phone application for illiterate users to harness SMS
Proceedings of the 2nd ACM Symposium on Computing for Development
A voice service for user feedback on school meals
Proceedings of the 2nd ACM Symposium on Computing for Development
Proceedings of the Fifth International Conference on Information and Communication Technologies and Development
ICTD interventions: trends over the last decade
Proceedings of the Fifth International Conference on Information and Communication Technologies and Development
PhonePeti: exploring the role of an answering machine system in a community radio station in India
Proceedings of the Fifth International Conference on Information and Communication Technologies and Development
IHCI'10 Proceedings of the 2010 international conference on Interaction Design & International Development
Innovating the field level of microfinance: a Pakistan case study
Proceedings of the 4th ACM/IEEE International Conference on Information and Communication Technologies and Development
Beyond strict illiteracy: abstracted learning among low-literate users
Proceedings of the 4th ACM/IEEE International Conference on Information and Communication Technologies and Development
Managing microfinance with paper, pen and digital slate
Proceedings of the 4th ACM/IEEE International Conference on Information and Communication Technologies and Development
Gurgaon idol: a singing competition over community radio and IVRS
Proceedings of the 3rd ACM Symposium on Computing for Development
Usage of the memory of mobile phones by illiterate people
Proceedings of the 3rd ACM Symposium on Computing for Development
Proceedings of the 4th Annual Symposium on Computing for Development
| Hi-index | 0.02 |
Due to the increasing penetration of mobile phones even into poor communities, mobile payment schemes could bring formal financial services to the "unbanked". However, because poverty for the most part also correlates with low levels of formal education, there are questions as to whether electronic access to complex financial services is enough to bridge the gap, and if so, what sort of UI is best. In this paper, we present two studies that provide preliminary answers to these questions. We first investigated the usability of existing mobile payment services, through an ethnographic study involving 90 subjects in India, Kenya, the Philippines and South Africa. This was followed by a usability study with another 58 subjects in India, in which we compared non-literate and semi-literate subjects on three systems: text-based, spoken dialog (without text), and rich multimedia (also without text). Results confirm that non-text designs are strongly preferred over text-based designs and that while task-completion rates are better for the rich multimedia UI, speed is faster and less assistance is required on the spoken-dialog system.