The Guardian Angel Debit Card

A group of researchers based at Newcastle University, that I am associated with, have been working with Eighty Somethings (people over the age of 80) to design better payment technologies for older people. The work included interviews, focus groups and co-design workshop with Eighty Somethings and was conducted over a 3 year period (see also Digital Cheques in these pages).

Our Eighty Somethings expressed a very real concern that situations may occur where they would be unable to withdraw cash or pay bills because of a reduction in their mobility. Occasions may arise where friends, family or carers would need to get money or shop on other peoples behalves.

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The picture shows the Guardian Angel Debit Card, a demonstration of how someone could act as temporary delegate, with access to another person’s bank account. The service would work through an app designed for a mobile device such as an iPad. The delegation would work for a specified period of time and a specified geographical location. Sums that the delegate has control over could also be limited as specified by the account holder. Once the transaction is completed, the account holder is sent a message over the phone for confirmation.

See this demo at http://www.eightysomething.org/design/guardian-angel

Find out about the methods used in this research at http://www.eightysomething.org/design

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