Making payments accessible for everyone
According to the World Health Organisation, blindness and vision impairment effects at least 2.2 billion people around the world, of whom 826 million live with near vision impairment. Most visually impaired people are over the age of 50 years.
The way each individual is affected with sight loss is highly unique. Nevertheless, digitalization is accelerating around the world which is why digital inclusion is becoming a must for everyone.
HPS is a technology provider that is committed to delivering innovation that matters. Our core values include sharing responsibility, solidarity and inclusion with Financial Institutions.
Inclusion for visually impaired people is part of HPS’ offering and product roadmap. HPS designs its solutions to improve the payment experience of the visually impaired and help them benefit from the convenience of mobile means of payment.
HPS has identified some concrete use cases and provided simple, secure and seamless solutions using a mobile application that improves the autonomy of blind and visually impaired people.
The application is compliant with the World Health Organisation accessibility recommendations: to interact with the application, blind users use smartphone’s screen reader and visually impaired people enlarge text. Screen reader and enlarging text are a built-in standard on all Android and IOS smartphones.
When blind or visually impaired people want to pay by card at a POS terminal, the individual can face some difficulties:
- they can't be sure if the displayed amount on the POS terminal is the real one,
- the use of new POS tactile pad is not adapted to use tactile landmarks,
- they face a higher risk that someone spies on their PIN,
- they often have to reveal their PIN number to the merchant to help them complete the payment,
- they can't know the status of the transaction (authorized, refused, cancelled), etc.
HPS has designed a solution to help blind and visually impaired people during card payments on POS by generating one-time passwords (OTP).
To obtain the OTP, the user simply needs to specify some rules on the app (purchase amount, maximum amount, etc.) that will define the scope of use of the OTP. The application can also notify the user of the status of the transaction.
This solution not only protects permanent PIN and improves the autonomy of the user but it is also seamless for the merchant and compliant with all POS terminals.
To use an ATM, in addition to the inaccessible physical or touch screen ATM's interface issue, the visually impaired also faces similar issues to those when interacting with a POS terminal.
HPS’ solution is also adapted to ATM usage by generating an OTP.
For a withdrawal, the user defines some rules on the mobile application (amount, receipt or no receipt, number of bank notes, preferred bank notes, etc.) to get an OTP: when inserting the card on the ATM and typing the OTP, the user will immediately get cash.
This way, the permanent PIN is protected and any ATM becomes accessible by a software update. This solution also improves ATM availability as it dramatically reduces the time spent at the ATM. In addition to protecting the PIN of blind people who currently ask for help from another person, people in wheelchairs who request assistance to withdrawal from an inaccessible ATM will be reassured by the protection offered by such solution.
HPS keeps investing in solutions that can improve blind and visually impaired people autonomy and security in payments.
To know more about HPS use cases of accessibility in payments, please contact firstname.lastname@example.org.