Pixpay is a French fintech startup specializing in teen banking. Pixpay provides teenagers with a bank card and an application that is co-managed by parents. For two years, I was responsible for developing features aimed at enhancing the experience of teenagers by increasing the churn age, their usage time, and their overall satisfaction.
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We observed that many teenagers canceled their subscriptions around the age of 16. During interviews conducted with them, they shared the impression that Pixpay no longer seemed fully suited to their needs after that age. They expressed a preference for more "traditional" options, particularly because some of these banks offered features such as cashback solutions. Another reason mentioned was the app’s childish appearance, which they felt was no longer appropriate for their age.
We conducted several workshops with teenagers, which I organized, to determine their favorite brands and find the cashback program format that would best suit them, both in terms of payment method and access to offers.
We designed a space where teenagers could find all their "deals," with details on how each one works, the type of deal, and the cashback rate.
Teenagers also have access to their wallet to track pending purchases, the cashback they've earned, and the ability to transfer the collected cashback directly to their account, available with most of their favorite brands (PlayStation Store, McDonald's, etc.).
During our research phase, we discovered that teenagers aged 16 and older often felt that Pixpay was too childish and restrictive for them. We sought to understand why and explore how they could feel more comfortable using the platform as they grew older. From this, we identified a set of features that would help them feel more mature and encourage them to remain with us despite their age.
We designed these features in collaboration with teenagers and parents, aiming to give them more responsibility: the introduction of a dark mode, the option for parents to grant more autonomy by hiding merchant details from transactions (on the parent app), the ability to make outgoing transfers, and managing payment limits.
These features become available once the parent approves the teenager to activate "Pixpay Go."
