# Research summary
source: https://developer.mastercard.com/mastercard-merchant-presented-qr/documentation/experience-design-guide/research-summary/index.md

### Testing insights were invaluable {#testing-insights-were-invaluable}

Prototype and concept validation with end users is an integral part of our design process. After multiple internal design iterations, the Scan To Pay feature was evaluated by 132 consumers from our target market in India to:

1. Explore areas of concern and friction
2. Identify improvements and provide evidence to validate design decisions
3. Understand the preference for initiating "scan and pay" before and after logging in
4. Understand the likelihood of adoption
5. Understand what would convince a consumer to pay using debit/credit rather than UPI

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Insights from this round of testing informed improvements to the Scan To Pay design and provided the foundation for the design decisions made throughout this Experience Design Guide guide.

#### Methodology {#methodology}

A remote unmoderated study was conducted with 132 consumers using the Wevo Diagnostic platform. Consumers were asked to provide feedback on the Scan To Pay prototype through a number of quantitative and qualitative questions to assess first impressions, engagement, level of intuition, trust, and value. Deeper analysis was completed based on various deep dive questions to explore the learning objectives outlined above.

#### What we tested {#what-we-tested}

Interactive prototype of the Static QR Scan To Pay experience within the "Partnerbank" mobile banking application (see the following screens).
![Scan to pay](https://static.developer.mastercard.com/content/mastercard-merchant-presented-qr/uploads/research-summary.png)

#### What we learned {#what-we-learned}

1. Data security is top of mind when processing QR payments
   * Fraud, identity theft, and data security concerns are top of mind for current QR payment methods used today. Participants were quite satisfied that our Scan To Pay solution addresses these concerns based on the perception of increased security being provided by their bank and payment schemes
2. Simple and fast app experience is critical
   * Scan To Pay payment experience needs to be simple and save time at the POS. Users do not want a delay due to a complicated experience within their QR payments app Consumer quote: "It is a very quick and easy way to pay"
3. Reliability of QR Payments Bank app is an opportunity for differentiation
   * Mistakes or glitches within existing QR payment platforms are a concern for some users. The majority expect that the Mastercard Scan To Pay payment experience will be more reliable due to the link with card networks
4. Familiarity with UPI creates an intuitive experience
   * The Scan To Pay payment experience is considered easy to use and hassle-free. The simple design and similarity with UPI provides an intuitive experience that is familiar to most Consumer quote: "Every part of this process looks similar to paying with UPI, which makes it easy to understand what to do next"
5. Trade-off between convenience and security
   * Some consumers preferred convenience of not having to enter OTP/PIN at the time of transaction, others preferred this additional step since it makes them feel more secure
6. Access to "Scan To Pay" before and after logging in is equally important
   * 50% of consumers preferred to access "Scan To Pay" before logging into their banking app and 50% preferred to access "Scan To Pay" after logging into their banking app, suggesting that it is very important to display this feature in a pre-login and post-login state
7. "Scan To Pay" from the bank app is highly desirable as users trust their bank
   * 94% indicated that they would consider using "Scan To Pay" if offered by their bank, with trust in their bank being a major reason

#### Research outcomes {#research-outcomes}

* As a result of our research, various design and content updates were implemented to simplify the journey and make the experience more intuitive