This paper presents a methodological innovation in user experience research for the App Development Process. Our approach scrutinizes the design aspects of popular digital payment platforms through the lens of the ‘Extreme User’ – individuals with varying levels of technological familiarity and language proficiency. By conducting a comprehensive usability testing and semiotic analysis, our pilot study identified critical design limitations in existing applications. Leveraging these findings, a new application (working prototype named ApnaPe), was meticulously crafted and evaluated. ApnaPe showcased substantial enhancements in usability during the onboarding and money transfer processes compared to the popular digital payment apps.

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