bambielli · July 21, 2018 15:50
diff --git a/README.md b/README.md
diff --git a/SurveyResults.csv b/SurveyResults.csv
response	Q1	Q2	Q3	Q4	Q5	Q6	Q7
1	30 - 39	Male	5+	the function is useful, and simple to use.	It should also consider my current credit limit as a factor. What if the best reward card does not have enough credit limit for this purchase?	As described in previouse question, choose best reward but not enough credit may cause failure of purchase.	The prototype is a good idea. Just need polish it a little bit.
2	18 - 29	Male	1	This doesn't really appeal to me since I actively try to have as few credit cards as possible. I had two but now I just have one. I guess I don't see the point in having multiple cards.	Check answer above.	I'm not an apple pay user. Using pay pal or just a simple credit card is pretty easy in my opinion. Saving a credit card takes all the work out of selecting payment methods.	I can see that it might be useful for people with multiple cards but thats not me unfortunately
3	30 - 39	Male	2	I will no longer need to keep track of which cash rewards are applicable to which credit card	I use android devices.	Most of the online payments I make do not offer apple pay option.	The rewards available is usually 3rd or fourth on my list of priorities when I select which credit card to use. Other factors such as credit limit, whether they are personal or corporate expenses, credit card billing date etc take greater precedence when taking this decision.
4	30 - 39	Male	0	no	no	no	no
5	18 - 29	Female	1	selecting the credit card with highest cashback	Nothing	things like being redirected to another bank site for verification purpose	NA
6	18 - 29	Male	2	It will help me save some money without me putting any effort	It might put a load on a single card which has popular discounts throughout the year	Might bottleneck the popular cards. Security concerns.	No
7	30 - 39	Male	3	I think it's a great idea.	Nothing really. It's an addition to an interface that doesn't really take away anything.	I would be wary of it automatically updating the rewrads during each quarter. I wonder if there is an easy way to override the automatic selection that doesn't defeat the convenience of not having to look at it? Like, for this transaction maybe you know you want to use this other card for some reason that wouldn't get automagically selected, how easy would it be to override?	I don't use Apple Pay or Google Pay but stuff like this would put me closer in that camp (that, and a wider acceptance where I live).
8	30 - 39	Male	5+	it selection for best rewards	it selection of cards	having to type information from back side of card	none
9	40 - 49	Male	3	I like that it offloads the cognitive load to apple pay	none	It would also be good to look at other benefits associated with various cards such as warranty, low price guarantee etc.	It would be good to extend this prototype to factor in more parameters into optimization criteria (e.g. foreign transaction fee etc.)
10	30 - 39	Male	3	I use Apple Pay often, so any integration is a plus	I save airline miles instead of cash back, so it would be better to be able to select my reward type instead of only cash back	I tend to use one card the most, so I'm not sure it would benefit me to have an algorithm make that decision for me.	N/A
11	30 - 39	Male	1	It is clear and measurable	Nothing	Expired cards being a problem?	This looks good from my perspective
12	18 - 29	Male	2	It'd be a nice way to save money/get more in cash back automatically.	That I have to use Apple Pay	One of the reasons that I don't have a lot of different cards is because I can't keep track of balances/credit limits. So I could definitely see this interface causing a problem there. If it only selects based on which gives best rewards and doesn't care about how much credit is left, you might end up with really high usage on one card or worse an overage.	no
13	18 - 29	Male	5+	I like that it updates for rotating quarterly bonuses	It doesn't seem to factor in transferrable points that are more than just cash back. It also doesn't seem to offer a way for the user to select a ranking of preference when the cash back is equal between cards.	I actually think apple pay is really easy. I'm also a way more advanced "credit card points player" than the average person.	Think about how a user would be able to select if this feature is on. I like to have control over my spend, so I still like to pick which card I want to use. Also, some people may have concerns about credit card limits and such.
14	18 - 29	Male	2	I have two credit cards that I have to think about which is the best for which situation -- this would help move that overhead to the interface	Nothing	Technologically, keeping up to date can be really difficult	N/A
15	40 - 49	Male	3	It sounds like there's no real effort involved.	It would be nice to see what the offers are and their expiration. I might be inclined to pull the trigger on a purchase I've been waiting on if the deal is good enough.	It would be nice if the amount of cash back is displayed next to each payment option. This way, I could be aware of the different amounts but override the choice if I have some reason to put spending on a different card.	No
16	18 - 29	Male	2	I like that it removes the cognitive load of selecting a credit card from the user	Its only for apple pay . hence not for all demographics	Not exactly.. just that sometimes its hard to figure out what pyment methods are available at the vendor	no
17	18 - 29	Male	1	It's convenient and invisible	It's likely more difficult to implement than one might think	Not really. If it works as described, it seems easy enough.	Definitely a good idea.
18	40 - 49	Male	2	It's an interesting idea. I liked that it is automatic	It's not clear if the user can choose a different card (it only proposes the card) or if the selection is final. Does it track the credit card balance to decide too? Can the user define rules for certain payments or sites?	I can't think of a challenge or issue with this interface	No additional comments
19	50 - 64	Male	3	That it's automatic. Lets my device to the data searching for me.	That I have to register cards with a foreign entity - Apple	I use Paypal almost exclusively. Thus, this seems like a Paypal function to me.	Good idea. Does the data source of interest rates exist to make it real?
20	30 - 39	Male	2	I like the idea that is would maximize my benefits	How easy it would be to override in case I wanted to use a specific credit card.	Overriding the auto CC selection	Some cards have higher benefits when used at certain locations/vendors. Would the interface take this into account?
21	30 - 39	Female	5+	It does all the credit card selection for me based on rewards	I may not prefer to use one credit car even though it provides me the highest rewards.	A lot of online transactions could not be completed by apple pay	NA
22	40 - 49	Male	2	I like cash	I have a personal and work credit card - deciding is pretty easy - usually :)	No	No
23	30 - 39	Male	2	similar to my current use of apple pay, but with added functionality	It would need access to personal information I may not want to share	Yes, how to input the different preference options if any
24	30 - 39	Male	2	Useful to automatically choose card with most rewards	Unclear how I will configure which cards I have	Remembering card number or looking up verification code
25	40 - 49	Male	2	it would be interesting if I had the chance. Unfortunately, in EU we usually do not have cashback on our cards	your interface should ask criteria for selection...in EU we d not have cashback so I care about other criteria	yes...in Europe we don't have cash back on credit cards, but we have credit limits...which is what can drive me to select one card vs the other, for example
26	30 - 39	Male	2	Don't really like the automatic nature of the prototype, it should prompt instead if anything.	I don't like the phone choosing how I pay. I usually purchase different types of things on different cards, for non-cashback purposes and accounting.	What if the best card is not accepted. ie American Express, (Costco with Visa only)
27	18 - 29	Male	2	Like the concept of constant cashback	Hard to visualize from text only	What if I have limits on credit cards, will the app know?
28	18 - 29	Male	4	helps saves time	nothing	should be fast	none
29	30 - 39	Male	2	I like that it selects the best card to maximize points	Nothing	Standards - not all checkouts take apple pay so I rarely use it.	I like it!
30	18 - 29	Male	3	give me the best financial deal without me having to think about it	I might want to be told how much money I'm making or saving based on what the app is doing.	no	none
31	30 - 39	Male	4	difficult to visualize	difficult to visualize	difficult to visualize
32	30 - 39	Male	1	Being able to use cash back rewards	what if there isn't any reward available	no	no
33	30 - 39	Male	2	The task it tries to address	I think it's just an idea, I don't know what the interface will be like after reading your description.	I only have 2 cards, selecting between them are plain and easy. The real chanllenge is that you have to enter the payment information if you are shopping in a new site. very annoying.	you should design this for paypal, google pay and other online payment system who works similarly as Apple pay.
34	40 - 49	Male	3	I like the idea	Could be more fleshed out	I prefer to just use a single card even though I have others	Nope looks good.
35	18 - 29	Male	3	Seems like it could be useful for people who have a lot of credit cards and may not remember what benefits they have	N/A	No	How would the system know? Can the decision be overridden?
36	40 - 49	Male	3	User does not need to remember which card to use	User should be given choice	Not really, as long as user is given a choice	No
37	30 - 39	Male	2	i like the idea... how would this be enabled in the interface, what would the user have to do, how would they have to enter card information	i like the idea, the textual description could be more specific to the hows of the interface	i always pay with the same card... which is basically cash... i dont do debt...	nice idea, but does this come along with a negative social impact... encouraging credit card debt to get more "perks" when the real perk would have been to not spend the money on stuff you may not need... although if it is a necessity using a debit card with perks could be great
38	30 - 39	Female	4	All needed information is centralized.	Nohting	None
39	40 - 49	Male	2	I like how the system knows the best card to use based on the rewards of the cards	I think the system should ask before continuing if the card selected is the one I currently want to use.	Not really
40	18 - 29	Male	4	Delivers best value of cashback for purchase. Automatic enrollement is rotating categories is also nice.	N/A	Need to be able to pick a different card if the situation calls for it.
41	18 - 29	Male	3	Pretty cool idea	Nothing	Paypal	Nope
42	18 - 29	Male	1	The choice of cards being automated	Sharing sensitive card information with an app	Accidentally use a card that I do not intend on spending further with
43	18 - 29	Male	2	Automated payment, no need to select which credit card to use	I have no control over credit card preferences, no overrides.	I don't use too many credit cards so it's not that huge of a problem. I suppose remember what cashback each credit card has for a given store.	Maybe you should allow an option to override the automatic payment
44	40 - 49	Male	2	I liked how you used the word "best", so you haven't committed to a design at that point.	I didn't understand "quarter to quarter". Why not real time? Taht would help bridge the gulf of evaluation.	Yes. I don't know how to make payments online with cards that have a chip. I don't want to give a credit number out that has a chip, otherwise the security of the card isn't valid anymore. I think there should be a fingerprint scanner with purchases.	Just an option to "opt out" of the proposed selection method.
45	30 - 39	Female	5+	I think the idea is good and this prototype will help user pay more quickly and smartly	NA	sometimes cashback link doesn't work and cannot be updated immediately	NA
46	30 - 39	Male	2	it will choose the best credit card to use for the type of purchase you are about to make	None	Privacy	None
47	18 - 29	Male	1	It automates everything	Lacks control of what pays with what. What if i wanted to keep one credit card under some limit?	well.... one credit card will always have the best benefits. it will always choose that one credit card...
48	40 - 49	Male	3	That I can maximize rewards.	As long as it knows the purchase category, nothing.	No	I like this idea a lot.
49	18 - 29	Male	5+	It would provide an important functionality that i can see myself using daily	n/a	I would have to use Apple Pay	n/a
50	18 - 29	Male	3	I like the idea of saving the most money	Sometimes there may be minimums I have to reach to hit a bonus	No	No
51	30 - 39	Male	4	I like that it automatically makes the selection based on the purchase	N/A	No	Does it take into consideration interest rate and current balance?
52	30 - 39	Female	4	I like that i will automatically get the best savings	that the best savings may be a card that I don't have the balance or not accepted that that retailer	only issue would be if the company doesn't accept the payment for the card selected automatically	no
53	30 - 39	Male	4	I like that it will give me the most money back possible.	It is light in details.	I thought this was for mobile payments. I cannot envision your prototype.	Wire frames would be better here.