The main pain points we identified based on the interviews were:  

1 - Bank information security was either a huge priority or small priority

2 - Quality and quantity of deals and discounts was not enticing enough

3 - Time was a determining factor of check in's

Actions, attitudes and motivators of each interviewee were identified to create five distinct personas. The most balanced of the five served as a basis for our user flow and scenario.  

After testing initial user flows, we settled on an on-boarding experience for new downloads and a payment experience that demonstrates the feature. The findings of user testing showed that the prototype needed a more efficient flow, more feedback and clear exit mechanisms