Feedback on idea

Main issue: the aggravation of forgetting your wallet, debit card/Identification.

Solutions:

• Banking app that allows for contactless payments.
• QR code response. 
• Similar to 'wallet' app although both cards and identification may be similar to online banking.

Feedback from critique:

• Research ways in which you would direct actual consumers to this product.
• If your phone died then you would have no access to your funds.  
• Similar if you had no wifi/3G
• The design may become very complex and thus a simplistic layout must be formed.
• Think about the click count compared to that of contactless payments. 

Security:

• Should be marketed as a safer method
• Fingerprint may be used as an effective format 
• Maybe a back up version incase a card is lost. 
• Think about a disabled mode
• Have a valid ID from the .gov website-link them somehow.

From the feedback gathered it is obvious that this design idea has multiple faults, mainly consisting of security risks and thus it would be highly important to research methods throughly. It would also be important to research the functioning's of the app, and discover whether you would be able to connect your ID through the government website and thus making it a valid form of identification. The question must also be asked about the evolution of factors such as these, seems as the usage of money is now very limited.