MyState trial participants were surveyed at the end of phase 1 to gain feedback on aspects of functionality, processing speed, and usability. All trial participants surveyed reported that the Bluechain app was easy to use, and many reported that Bluechain was now their preferred method of payment. Although slower than usual speeds were experienced on first-time purchases (additional time is required to validate the merchant’s certificate), 70% of users reported that Bluechain transactions were faster than or a similar speed to traditional card payments.
Of the thirteen different combinations of payment method, device, and eCard type that will be trialled over the course of the MyState trial (see table below), eight have now been successfully tested (shown in green). Phase 1 focused on the onboarding process and peer-to-peer (P2P) payments with debit card eCards. The current phase, phase 2, allows users to create bank account eCards, which can be used for both merchant-to-user and user-to-user payment requests. The next phase will then trial the new POS app and card-reader.
Although out of the scope of the MyState trial, in-house testing has now commenced on web store payments with the Bluechain web plug-in, and development of the remaining payment methods (nearby and remote GlobalCard payments, billing system, and send money) is on-track for a 2017 launch.
|Phase||Requestor device||Acceptor device||Acceptor eCard||Request method|
|1||iPad (merchant)||iPhone||Debit card||Bluetooth P2P (M2U)|
|1||iPad (merchant)||Android||Debit card||Bluetooth P2P (M2U)|
|2||iPad (merchant)||iPhone||Bank account||Bluetooth P2P (M2U)|
|2||iPad (merchant)||Android||Bank account||Bluetooth P2P (M2U)|
|2||iPhone (user)||iPhone||Bank account||Bluetooth P2P (U2U)|
|2||iPhone (user)||Android||Bank account||Bluetooth P2P (U2U)|
|2||Android (user)||Android||Bank account||Bluetooth P2P (U2U)|
|2||Android (user)||iPhone||Bank account||Bluetooth P2P (U2U)|
|3||iPad/POS||iPhone||Debit card||Bluetooth P2P (M2U)|
|3||iPad/POS||Android||Debit card||Bluetooth P2P (M2U)|
|3||iPad/POS||iPhone||Bank account||Bluetooth P2P (M2U)|
|3||iPad/POS||Android||Bank account||Bluetooth P2P (M2U)|
|3||iPad/POS||Terminal||Non-Bluechain||Contactless or dip card payment|
|P2P = peer-to-peer M2U = merchant-to-user U2U = user-to-user POS = point-of-sale|
Participants will be surveyed again during and at the end of phase 2, which is expected to run until the end of October.