Service Design Concept for First Niagara Bank.

So what's so special about this app? UberPay.me has a 2 step registration process. Gaining new customers via a simple text. Step one you receive a text that says something along the lines of" Hey you just got paid $10, reply with a password to make an account" Then you reply with a password and Boom. (step 2) You just signed up for a light-weight checking account via text. Really it's more like 1 step since all you have to do is reply with a password... Obviously you will need to fill in some more personal information like SS# etc. However in this concept we propose to spread the cumbersome registration process through "unlocking" phases to give more comfort to the user. This is on their time, when they want it, where they want it. Thats Uberpay.me The best way to send and receive money with a text or an email. In the future when the user reaches the account fund limit they get introduced to First Niagara's Savings accounts. Now that your Gen Y customer is comfortable with your App, they are now ready to get serious and commit a bit more. It's super easy now too because you already have all of their important information. Just click a button online to add a savings account and you can start transferring money from your UberPay.me account instantly and free.