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.
The Approach is to utilize the USPS' current assets and add a banking branch, USPS Banking. With this banking service we will provide multiple solutions to specific users needs that aren't currently met due to a lack of options available to them.
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 built a website landing page to indicate how important information to those unaccustomed to USPS Banking. The website also has the ability for people to log-in to their account if they prefer desktop 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 was created by quick sketches of how the screens would look and include. We picked the most important and created digital screens mock-ups.
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 created an system that comes with 3 envelopes: the deposit, the bill pay and the outer. The deposit and bill pay envelopes come with slips allowing you to include as many transactions you need that period. The outer envelope is used to hold the other two and is meant to be filled out and placed in your mail box.
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