Research Lead: Kylee Palmer
Visual Lead: Kylee Palmer
UX Lead: Carol Montelongo
UI Lead: Kylee Palmer
Social Media: Carol Montelongo
Photography: Courtesy of Unsplash
Approximately 8.4 Million US citizens (6.5%) are considered unbanked and an additional 18.7% are considered under-banked. Some have pointed to the United States Postal Service as a solution for providing services to these individuals. This isn’t a new thing: In other countries, post offices provide some of the most common banking services. In fact, until 1966, so did the USPS!
To provide a safe user-friendly banking service specifically accommodating for under-banked and unbanked individuals so they have easy-to-use tools and educational services as a stepping stone to reaching their financial goals.
Our strategy involves leveraging the existing USPS infrastructure to establish USPS Banking, a dedicated banking branch. Through USPS Banking, we aim to address the unmet needs of certain user groups by offering a range of tailored financial solutions, capitalizing on the USPS' extensive resources.
Bethany Sullivan | Nurse | 32
Bethany in a single, under-banked mother living paycheck-to-paycheck. In the past she has had to use predatory loans to make ends meet. Having access to a website or a mobile app would be beneficial for Bethany's busy life with paying bills and budgeting her account.
Solution for Bethany
Website Home Page
We have developed a website landing page to emphasize the significance of USPS Banking to individuals who may be unfamiliar with it. Additionally, our website provides users with the option to access their accounts via desktop, catering to those who prefer this method over the mobile app.
Angie Silang | At-Home Tailor | 28
Young immigrant female who is new to the country with little English vocabulary, but doesn’t understand financial jargon or how to get started with a banking account. It would be beneficial for Angie if there was a in person kiosk system so that if she needs assistance there is some one there to help her.
The kiosk's design originated from initial sketches depicting the layout and content of the screens. We then prioritized the key elements and proceeded to develop digital mock-ups accordingly.
Ralph Rubio | Retired | 78
Ralph is a retired mechanic that spends his day taking care of his dog and helping his neighbors with gardening. Other than that, Ralph doesn’t like leaving his home. He could benefit from utilizing USPS mailing services for banking.
Mail Carrier System
We designed a system that includes three types of envelopes: the deposit envelope, the bill pay envelope, and the outer envelope. Both the deposit and bill pay envelopes come with slips, enabling users to include as many transactions as needed for that period. The outer envelope is intended to house the other two and should be completed and placed in your mailbox
Carlos Rodriguez | Student | 21
Carlos is a young hispanic college student who is in debt from taking out student loans and is struggling to make it day-by-day. He has hurt his credit score and could benefit if the apps he already used had learning tips and tools about reaching financial stablility.
Instagram Story/ Highlight Reel