The Gamification of Mobile Payments



Technologies Used


Project Team

Deivid Cavalcante da Silva
dhoorban gunaseelan
Developer Corporate
John Ghawi
Designer Entrepreneur

This team is looking for

Product Manager Investor


The intent is to heighten the level of user-engagement with a Tap-to-Pay application at a merchant and reward these users for their loyalty of paying at merchant partners using an approach that is frictionless and integrates easily into the user’s lifestyle. Gamification has been proven to increase user engagement. The concept of gamification in a wallet-based app adds interactive gaming mechanics to the otherwise simple function of paying, which on its own, a digital payment offers no advantage to a client over paying with their leather wallet. These elements consist of point-scoring (not necessarily the existing points system), social competition in the form of a point leaderboard, and geolocation. We’ve simplified the application by organizing areas into the three categories of: Pay Receive Points Competition. Coupled with the added functionality of displaying a map in the immediate dashboard, a user has the added elements of geolocation to visualize nearby shopping areas, merchant partners, and awareness that shopping at a particular location can offer benefits such as an increased reward (points) or can offer a reward for the number of transactions made there in a week. After a user completes a Pay action, the user is presented with a Dashboard outlining achievements to their activities (shopping, visiting a branch, repeat transactions at a merchant, badges, their progress, and best of all, levels that are achieved by a staggering multiplier). The long-term platform serves RBC as a hub between clients and merchants. While the prime focus is on the client, the functionality as a whole offers a bridge for merchants to appeal to users of the application. Merchants can choose to have their location appeal to users with offers such as 3x the points, coupons, and more. These offers incentivize users to shop at a particular location. The map can be extended to add a revenue stream by advertising merchants, pop-up RBC locations and highlighting areas of lower transaction activity. The ability to make low transaction areas more visible as well as track spending habits becomes a possibility. The bank can choose to use the data to create an equilibrium between high-low contactless consumer trends. The application provides a new way to collaborate and aggregate Big Data from the existing retail network. By enabling users to ‘Like’ merchant locations on their map makes the user’s journey more predictable. The end result would offer new avenues of partnership with already existing retail networks. Location usage patterns can be used to direct product and service data into the bank, data that fuels decision-making - while our scope is in Canada, the scope can be expanded worldwide. Repository link (apk included):