Fu Bao wallet dunning

In the adult world, borrowing money is a very sensitive topic. Everyone will weigh the gains and losses, and friendship and affection may break up in an instant. This is the real real world.

If someone lends you money at this time, it is a blessing of your character and you should be grateful. Borrowing is not a duty, borrowing is a mutual affection.

There is an old saying: "It is easy to borrow, but it is not difficult to borrow again." But what if you don't return it or forget to return it?

Have you ever encountered such a scene in your life: after a friend borrowed money (especially through WeChat and Alipay mobile transfer), it took a long time to pay it back. I may have forgotten to pay back the money, but I am embarrassed to urge the other party to pay back the money face to face.

What will you do at this time? Is it very tangled? Is it depressing?

This is the topic I want to discuss with you this time.

To sum up, all the tangled reasons come down to the word "face" in interpersonal relationships.

Face is an individual's self-worth and corresponding experience when he expresses his self-worth through behavior or social resources, seeks confirmation from others and is recognized unexpectedly.

The conflict between self-identity appeal and response, that is, evaluation conflict, is the direct cause of face, and the basic way to win face is to show "conforming behavior" or allow others to use their own social resources.

Face is a social psychological construction rooted in culture, which is formed and expressed in interpersonal communication. Face is situational and changeable. Face is the embodiment of a person's self-esteem and dignity, a person's self-image, and a symbol of valuing morality over profit and ethical interests.

In order to prevent evaluation conflicts and face problems and win the consistency of self-evaluation among individuals, society and others, individuals usually show consistent behavior or allow others to use their social resources in interpersonal communication, which is also a direct expression of face.

Maslow divided human needs into five levels:

Among them, social needs emphasize that everyone needs a harmonious relationship between partners and colleagues or maintains friendship and loyalty, which inevitably requires a medium to maintain emotions. Face is the first thing to belong to, which will bind our behavior and psychology in some cases, so we need to make concessions to balance it.

Respect emphasizes that everyone wants to have a stable social status, and requires that individual abilities and achievements be recognized by society.

Respect for needs can be divided into internal respect and external respect:

Maslow believes that meeting the needs of respect can make people full of confidence in themselves and enthusiasm for society, and realize the usefulness and value of life. These features, like the attributes of face, are unique emotional genes of our advanced species.

This innate natural characteristic of human nature supports human behavior thoughts from the inside out. In the special scene of debt collection for money, the resulting psychological mapping is uncomfortable, which can be regarded as a shortcoming of human nature, a natural pain point and an opportunity for this design.

Based on the entanglement and embarrassment that affect behavior, we need a medium to balance contact, and our behavior needs to be comfortable and natural.

"Remind friends to pay back the money", which is mainly suitable for the economic exchanges between acquaintances and the workplace. It can remind users when one of them forgets, improve the user experience of products, and reduce embarrassment and anxiety to some extent.

For users, it is urgent to improve the experience and think about what users want to give them.

For the platform, it enhances the trust and reputation to a certain extent, and increases the stickiness (although this function is a non-high frequency behavior). It belongs to the grace supply function, which maintains the retention of users to a certain extent.

With the popularity of mobile phones, mobile payment is almost a national behavior at present. Alipay's main users are mostly young and middle-aged, so economic activities in daily life occur frequently, and the base of urging money is large (the following sample survey gradually confirms).

With this in mind, I began to do user interviews, interviewing friends whether they really have this demand and whether they need such a product-level grasp.

According to the above comprehensive role interviews, when the other party fails to repay the loan in time, the borrower will be very worried and embarrassed about the repayment.

Then after I communicated this idea with them, they all said it was very good and needed this function. Software tips can reduce your embarrassment, but also to remind each other. Of course, for Lao Lai's friends, you can only say that you are careless in making friends.

Add a reminder function in the "My"-"Bill Details" module to wake up the other party and let them know the reminder. Because it is a low-frequency behavior, the entrance of the path is deep, and it will not cause premature functional interference if it is placed at the end page of the behavior.

When the other party wakes up to pay back the money, there will be a special notice item on the home page of the arrears. Paying off debts is a matter of course. You can pay back the money immediately or open it. I see. This behavior must be operated or always existed.

Pay back the money scene: it is a low-frequency function in daily life, so put this function on the bill details page. When this function is turned on, there will be a second pop-up window to confirm whether the task is executed. In addition to reminding each other on the product side, SMS reminders will also be pushed. After the operation, you will be suddenly enlightened and refreshed.

After this function is turned on, there will be a time limit. After the trigger is completed, it can be triggered again after a certain time limit disappears. Generally speaking, one use is enough. If you are a friend, you will soon remember to return it to you. If you are Lao Lai, blocking his house may not necessarily bring it back.

In the completion of this chic action, the most important thing is the wording of the copy related to urging money. This template can be configured for users to use, and the charm of Chinese characters is endless. The difference of a punctuation mark will make the language have another interpretation. It is necessary to express the desire for money, but it should not be too tough. The idea of the proposed copy is as follows:

The text reads as follows:

Alipay Dear xxx, you borrowed 8888 yuan from xxx on February 8, 65438, and you haven't paid it back yet. It's easy to borrow and repay. It's not difficult to borrow it again. Please pay back the money as soon as possible ~

Friends who borrow money not only remind them on the product side, but also remind them by SMS to realize all-round and integrated bombing.

The above immature views are not well considered, please correct me.

Images from Unsplash, based on CC0 protocol.

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