My Charlie App

Your Transit & Charlie Card Guide to Boston

MOBILE APP | Transit | proposal

My Charlie App

Transforming Boston's public transit challenges into a seamless digital experience.

Timeline

Team

Tools

Disciplines

Sep - Dec
2022

1 UX Designer
1 UX Researcher
2 Product Managers

Figma
Adobe XD
Balsamiq Wireframes
Figjam
Userberry

Mobile Application
Proposal
Public Transport
Problem Solving

During my two years as a student in Boston, I observed the daily challenges users face with the MBTA (Massachusetts Bay Transportation Authority) particularly due to the lack of digitization for the Charlie Card.
To address this, my team and I proposed a public transport application that not only digitizes the Charlie Card but also enhances the overall transit experience for users.

USER JOURNEY

The Problem Space

Understanding the real-world challenges transit users face when payment systems fail them

Key Insight

This common scenario highlights a critical pain point in public transit payment systems: users have no clear way to know their card balance before attempting to board, leading to embarrassment, delays, and missed appointments.

The Rush

I was rushing to catch the bus, already late for my class, when I tapped my CharlieCard...

1

The Roadblock

It showed insufficient balance!!!
No cash, no way to pay.
I had to step off the bus.

2

The Consequence

By the time I sorted it out, I had already

missed my class.

3

This made us think?
This made us think?
This made us think?

How might we make Boston's public transit experience
Seamless, Digital & Easy?

How might we make Boston's public transit experience
Seamless, Digital & Easy?

How might we make Boston's public transit experience
Seamless, Digital & Easy?

Current Balance Management

How do users check

and reload their Charlie Funds

Card Management

What features & functionalities affect

the accessibility of Card?

Mobile App Integration

How can mobile app& payment

integration enhance experience?

Understanding user behaviors & pain points in managing card balances to optimize the reloading.

RESEARCH METHODOLOGY

User Interviews, Card Sorting, Journey Mapping

KEY METRICS

Success Rate : 94%

User Satisfaction: 4.2/5

Key Insights
  1. 85% of users prefer automatic reload

  2. Mobile checking is primary method.

  3. Balance anxiety is common pain point

Current Balance Management

How do users check

and reload their Charlie Funds

Card Management

What features & functionalities affect

the accessibility of Card?

Mobile App Integration

How can mobile app& payment

integration enhance experience?

Understanding user behaviors & pain points in managing card balances to optimize the reloading.

RESEARCH METHODOLOGY

User Interviews, Card Sorting, Journey Mapping

KEY METRICS

Success Rate : 94%

User Satisfaction: 4.2/5

Key Insights
  1. 85% of users prefer automatic reload

  2. Mobile checking is primary method.

  3. Balance anxiety is common pain point

Current Balance Management

How do users check

and reload their Charlie Funds

Card Management

What features & functionalities affect

the accessibility of Card?

Mobile App Integration

How can mobile app& payment

integration enhance experience?

Understanding user behaviors & pain points in managing card balances to optimize the reloading.

RESEARCH METHODOLOGY

User Interviews, Card Sorting, Journey Mapping

KEY METRICS

Success Rate : 94%

User Satisfaction: 4.2/5

Key Insights
  1. 85% of users prefer automatic reload

  2. Mobile checking is primary method.

  3. Balance anxiety is common pain point

KICK OFF & BREIF CREATION

Top Research Questions

Top Research Questions

We drafted a comprehensive list of research questions and used affinity mapping to shortlist the most relevant ones for our design. Our systematic approach ensured thorough coverage
of user needs.

LEAN & AGILE DESIGN PROCESS

Design Process

Design Process

Brief And Estimation

Design Team Process

Information Architecture & Wireframes

Feedback

Usability

Testing & Validation

Interaction & UI Design

Calendar Update

Satisfaction Survey

Final Delibarables

Discover

Validation
from Target Users

Kick- Off

To better understand the context of our problem we deep-dived into the current MBTA's scenario, & decoding MBTA’s system while conducting competitor analysis, SWOT analysis, and positioning mapping.

CONTEXTUAL RESEARCH

Decoding

MBTA

Boston's T operates both over and under ground, yet there aren't any Charlie Card Reloading kiosks at the overground stations.

The transportation infrastructure includes extensive routes and a broad grid, hence a significant populace relies on mass transit for their everyday jobs.

The transportation infrastructure includes extensive routes and a broad grid, hence a significant populace relies on mass transit for their everyday jobs.

The kiosks are solely accessible at the subway stations that are quite distant from one another, hence numerous individuals don't bother to pay for the journey or fail to catch their ride.

The transportation infrastructure includes extensive routes and a broad grid, hence a significant populace relies on mass transit for their everyday jobs.

Physically tapping a Charlie card for access often leaves individuals stranded when their card balance is inadequate so they have to search for a kiosk to top up the card.

  • Main Target Group

    Segmentation 1

    Segmentation 2

    Sub Target Group

    Transist System in the United States

    Global Transit Apps

    MARTA, OMNY, VENTRA, CLIPPER

    Oysters, Presto

    Prioritize efficiency, real-time updates, digital fare payment, have contactless and app payments, direct competitors, and reference points for Boston Transit system.

    Indirect competitors should be researched to identify additional features and references to add to the app.

    Chicago , USA

    Atlanta , USA

    New York , USA

    San Francisco , USA

    London,UK

    Toronto , Canada

    Direct Local Competitors

    Global Competitors

    MBTA

    Things to consider:

    Allows users to manage their fare payment.

    Include balance checking, reloading, and viewing travel history.

    Users report technical glitches within the app.

    The app interface could be more user-friendly
    and intuitive.

    App allows user to check balance & top-up.

    Can view travel history, expense &
    Journey tracking.

    Does not offer real time updates/services.

    Interface is outdates and not as user friendly

    Allows users to manage their fare payment.

    Include balance checking, reloading, and viewing travel history.

    Users report technical glitches within the app.

    The Charlie Card used for subways and buses does not have full digital integration or a dedicated app.

    Fully contactless payment experience.

    Integrated across New York's buses and subways for ease of use.

    OMNY does not support all fare types

    No dedicated app; users rely on general payment methods like credit/debit cards and mobile wallets.

    Breeze Card system, which is a
    rechargeable smart card for fare payment.

    Simplifying transit use.

    Not yet contactless, which is less convenient
    compared to newer systems.

    Limited digital integration, no official MARTA app for managing the Breeze Card.

    Widely accepted across various transit modes.

    Offers convenience through autoload and balance protection features.

    The system is yet to be fully contactless.

    Providing real-time updates on transit schedules, delays, and service disruptions, helping users plan their journeys more effectively.

    Users can track their journey history and expenses for commuting and expense reimbursement.

    Contactless payment and a modern interface are necessary to keep up with current technological trends.


    A Digital version of the Charlie Card to complement the physical card, catering to the growing preference for digital solutions and reducing inconvenience of lost/ damaged cards.

    Should seamlessly integrate fare payment for various Boston transit options.

    Users to check their balance and recharge their Charlie Cards directly from the app, ensuring convenience and avoiding the need for physical kiosks.

    The app interface could be more user-friendly
    and intuitive.

    MARKET ANALYSIS

  • Digital Advancements (1 = Low, 10 = High)

    AS IS

    Digital Advancements (1 = Low, 10 = High)

    This map rates systems based on ease of use and features. Higher functionality scores mean more user-friendliness and features.

    AS IS

    Digital Advancements (1 = Low, 10 = High)

    This map rates systems by design and interface. Higher visual appeal means a more attractive, intuitive interface.

    Highly Advanced

    VISUAL

    FUNCTIONALITY

    Highly Advanced

    Highly Advanced
    Low Digital Advancemenet

    Highly Advanced
    Low Digital Advancemenet

    Highly Advanced
    Low Digital Advancemenet

    Highly Advanced
    Low Digital Advancemenet

    Highly Advanced
    Low Digital Advancemenet

    Highly Advanced
    Low Digital Advancemenet

    Highly Advanced
    Low Digital Advancemenet

    Highly Advanced
    Low Digital Advancemenet

    User Accessibility 1 = Low, 10 = High

    User Accessibility 1 = Low, 10 = High

    TO BE

    My CharlieApp

    THE ONLY TRANSIT APP, WHICH WILL HELP YOU

    TRAVEL EASILY IN BOSTON.

    These maps compare practical use and aesthetic design of each system through hypothetical scores.

    POSITIONING MAP

  • O

    T

    S

    TRENGTH

    PPORTUNITY

    W

    EAKNESS

    HREAT

    The SWOT analysis for "My Charlie" succinctly identifies its strengths, weaknesses, opportunities, and threats, guiding its development to effectively serve Boston's transit users

    SWOT ANALYSIS

    Mission Statment

    My Charlie: The premier transit app for Boston's T commuters, uniquely designed for convenient Charlie Card recharging and providing real-time travel updates

    My Charlie is

    Stands out for its integrated, user-friendly approach to Boston's transit, offering real-time updates and modern digital payment options.

    Limitations include fewer advanced features compared to competitors, reliance on existing transit infrastructure, and the challenge of converting traditional users to digital.

    Can expand its user base and functionality through new digital features, partnerships, and focusing on environmentally conscious transit promotion.

    Faces competition from established apps, changing transit usage trends, data security challenges, and the need to keep pace with fast-evolving technology.

CONTEXTUAL RESEARCH & CURRENT PATTERNS

MBTA's Delayed Promise 👎🏻

Since 2014, The MBTA has attempted multiple times to modernize the CharlieCard system by digitizing it and making it more accessible, but these efforts have largely stalled or failed due to technical, financial, and logistical challenges.

Resources:
mbta.com

wcvb.mbtanews.com

The Promise of a Digital CharlieCard

For years, MBTA riders have wanted the ability to load and use their CharlieCards via smartphones or a mobile app, similar to transit systems in cities like New York (MTA’s OMNY) or London (Oyster and contactless payments). The idea was to move away from the outdated stored-value plastic cards and make transit payments more seamless through digital wallets or NFC technology.

The Promise of a Digital CharlieCard

For years, MBTA riders have wanted the ability to load and use their CharlieCards via smartphones or a mobile app, similar to transit systems in cities like New York (MTA’s OMNY) or London (Oyster and contactless payments). The idea was to move away from the outdated stored-value plastic cards and make transit payments more seamless through digital wallets or NFC technology.

The Promise of a Digital CharlieCard

For years, MBTA riders have wanted the ability to load and use their CharlieCards via smartphones or a mobile app, similar to transit systems in cities like New York (MTA’s OMNY) or London (Oyster and contactless payments). The idea was to move away from the outdated stored-value plastic cards and make transit payments more seamless through digital wallets or NFC technology.

The AFC 2.0 Plan
The AFC 2.0 Plan
The AFC 2.0 Plan
Repeated Delays and Cost Overruns
Repeated Delays and Cost Overruns
Repeated Delays and Cost Overruns
MBTA's Fare Transformation Program:
MBTA's Fare Transformation Program:
MBTA's Fare Transformation Program:
Where Things Stand Now?
Where Things Stand Now?
Where Things Stand Now?

Recharge Inconvenience

Users find it inconvenient to physically visit stations to recharge their Charlie Cards.

Risk of Insufficient Funds

Users risk running out of funds on their cards due to the inability to recharge digitally, leading to potential missed trips.

Painpoint 1

Painpont 2

Painpont 4

Painpont 3

Kiosks are

far away

Lack of digital recharging limits users to specific locations and times for recharging their cards.

Managing Multiple Cards

Users risk running out of funds on their cards due to the inability to recharge digitally, leading to potential missed trips.

“I wish there was a more

convenient way to recharge

my Charlie Card like being

able to do it from my phone”

“It’s not always easy to find a reloading station when I am in a hurry and I don’t want to miss my train because of it.”

“I am worried about losing my Charlie card, or not having sufficient fns to travel when in need.”

“As a tourist I find it difficult to navigate Boston, and would wish for an app to help me do that”

Employee . Job Seeker.

Working Student. Social.

Student. International.

Tourist. Traveller.

Working Professional

University Student

Working Professional

Tourist

We started by discussing with Boston Transit and Charlie Card users. After field research, we conducted two in-depth interviews to identify opportunities and categorize them into solution areas.
This process guided us in defining the MVP features for our app.

🎯 Targeted User Interviews

USER RESEARCH

Ken McCormick: Working Professional
A working professional who utilizes the MBTA transit system for commuting to his job daily, he holds the belief that it's the quickest path to his workplace.

Kai Silverstone: Student
A Northeastern University student who utilizes Public Transit for her daily commute to campus for lectures.

USER PERSONA CREATION

Converting findings to

User Personas

1

2

3

4

Complicated balance checks & reloading.

No management, schedules, and alerts.

No digital payment options

Recharge kiosks not available nearby

We analyzed the user journey for our two key personas to identify critical pain points, allowing us to refine our project scope and focus on the most impactful solutions.

UNDERSTANDING CURRENT USER JOURNEY

Fragmented
User Journey

We created journey maps to further understand the user journeys in detail.

Find a train

consideration

Problem occurs

Downloads

my charlie

Work time

SCENARIO

Ken is preparing to go to work. He has a crucial sales meeting this morning and must arrive on time. While eating his breakfast, he checks the transport app/site to see when the bus is leaving from his closest station and if there are any planned outages today.

EXPECTATIONS:

Easy interaction with the transport app/site

Clear information: bus departure, bus arrival, bus number

Truthful information

  • Getting ready for job. Must arrive punctually, locates a train using Google Maps. Organizes everything and departs home.

  • The data from Google Maps was remarkably precise.

  • Figuring out the correct train schedule was a breeze.

  • He's delighted as he is now assured of reaching his office punctually.

  • He realizes his Charlie card's credit is insufficient. Pressed for time, he aims to top it off without needing to commute to a different T station to use the kiosk.

  • The subsequent train is due in 8 minutes, yet he won't manage a kiosk visit and return in time.

  • Anxiety over missing his critical appointment builds; hailing a cab is a costly option.

  • Search online for ways to refill Charlie's card.

  • Learn about the Charlie Card. Download the respective app.

  • After logging in, he enters his payment info and other details.

  • He promptly manages to top up his Charlie Card online, all before the arrival of the next train in approximately 8 minutes.

  • The apps main job succeeded, his card got reloaded.

  • Allowing him to use the ready transportation without significant delay.

  • He considers this app immensely valuable.

Will I get on time for my buss?

Trust

Happy

Frustrated

Wondering

Happy

I hope this app helps
me recharge my card asap

How can I get to work on time now?

I wished I could recharge
this card online, Arghhh.


Why don’t I have
balance in my card???

What if the bus gets delayed like yesterday?

Was the information accurate?

Are there any planned outages today?

What is the quickest way to find when the train leaves?

What time should I leave my home?

Well, this went well, Finally I am at work on time

Okay wow, this was quick, now the next T is arriving

aCTIONS

What does the customer do?

Customer Thought

What is the customer Thinking?

Phase of Journey

Customer Feeling

What is the customer feeling?

Scenario & Expectations

Work time

Research and planning

Walking

Problem occurs

Downloads

App

SCENARIO

Kai is planning to attend university today; she plans well in advance and has a lecture to attend today. After she gets out of the house and waits for the T to arrive, after entering the T, she realizes that she doesn’t have enough balance on her card and can’t take the ride since she isn’t even carrying emergency cash. She has to go to a nearby kiosk in the cold to reassure her card, and she will get late for her lecture.

EXPECTATIONS:

Recharge information

Digital method of recharging the card


Wakes up in the morning

Preparing for her lecture

It’s super cold outside

Finds the schedule that is suitable for her

Saves the route and leaves her house for the T station

Leaves home

Walking to the station

Waits for the T

Is in a hurry

The T finally arrives, and Kai taps her Charlie Card, only to realize that she needs more balance.

She is asked to step out of the T and hence loses a lot of time.

She worries that she will get late and has to walk to the kiosk to recharge her card.

She searches online how to recharge her Charlie Card fast or any other alternatives

She finally comes across the MyCharlie app and downloads it.

She finishes logging in and connecting the Charlie Card and payment methods.

She recharges the card.

The next T is almost arriving, and Kai has recharged her Charlie Card

She taps her card, and Voila, she has balance and can travel now.

Why is the T so late today?

Trust

Happy

Frustrated

Wondering

Happy

Can I still arrive on time?

I hope this applicaiton is easy to use and helps me !

Why is it delayed?

What if the T gets delayed like yesterday?

Why is Google Maps so confusing and innaccurate?

I hope I reach to the lecture on time!

Why is it so cold today!

What time should I leave my home?

Well, this went well

I hope this digital recharge works.

aCTIONS

What does the customer do?

Customer Thought

What is the customer Thinking?

Phase of Journey

Customer Feeling

What is the customer feeling?

SCenario & Expectations

This helped us understand the main
opportunity areas

We developed the MVP features of Charlie App after understanding key user pain points and designing solutions for a seamless public transit experience.

Mobile- First

& Contactless


💳
Due to the context of the usage we decided to design an app. Recharge your CharlieCard anytime, anywhere—no more last-minute kiosk runs.

Alerts & Schedule

Management


📅
Get real-time low-balance alerts, payment reminders, and personalized commute updates to stay ahead of your schedule.

Transit tracking & Service alerts


🚆
Check real-time train and bus schedules with live service alerts to avoid unexpected delays and plan your commute efficiently.

Final Design:
My Charlie

An app for your
Boston
Transit Needs


  • KEY FEATURE 1

    Tap & Reload your Charlie Card

    01

    Scan your Charlie Card

    02

    Reload your

    card on the go!

    03

    Add
    Multiple Cards

    04

    Set up
    auto-reload.

  • Users can easily view live train schedules on the app, eliminating the need to switch to other map apps.

    Search/Type
    your location

    Select the
    route from the
    options

    KEY FEATURE 2

    View live train schedule

    Look at a
    detailed route

  • User also have access to

    train closures, delays, and other important news, which currently the users rely on Google Maps for.

    Important

    news &

    notifications

    KEY FEATURE 3

    Always be notified

    Get quick
    Updates

    Transaction /
    Tap History

We identified key pain points and designed the core features of the app to ensure a streamlined user experience—avoiding cognitive and information overload from multiple capabilities at once.

Our goal was to test this scope and understand which features were truly essential.

Key Features of My Charlie App

KEY PRODUCT FEATURES & SCOPE

We used wireframing and low-fidelity prototypes to explore design variations and conduct early internal testing. These iterations guided us in refining the final screens for our high-fidelity prototype.

DESIGNING THE SKELETON

Wireframing

& IA

We mapped the app’s functionality into a structured diagram to enhance navigation, providing a foundation for our design concepts & wireframes.

User Flow

The Design System

17pt.

17pt.

17pt.

17pt.

Helvetica

Helvetica

Helvetica

Helvetica

Using the 60-30-10 color rule:


The 60–30–10 rule creates balanced color palettes by allocating 60% to a dominant (usually neutral) color, 30% to a complementary color, and 10% to an accent color.

Using the 60-30-10 color rule:


The 60–30–10 rule creates balanced color palettes by allocating 60% to a dominant (usually neutral) color, 30% to a complementary color, and 10% to an accent color.

Using the 60-30-10 color rule:


The 60–30–10 rule creates balanced color palettes by allocating 60% to a dominant (usually neutral) color, 30% to a complementary color, and 10% to an accent color.

Call to Action

Other Buttons

Call to Action

Error Buttons

How did we use it?


Firstly, we had to set our color ratio based on the palatte.

We set the dominanat hue (60%) to Light Blue, (#F2F4FF)

Secondary (30%) to Green (#005C0E)

And the accent color (10%) to Green (#005C0E)


Background (#FFFFFF)

Primary

60%

#9D9D9D
Secondary
30%

Text

(#1C387C)

Secondary

30%

Accent

10%

#005C0E

Recharge

your Charlie Card!

Tap your Card

on the GO!

Explore Routes
& Timings!

80% liked the app

These people were of the opinion that

such an app will help improving with the implementation of this app.


target audience

4/5

participants
would use the app

due to it's features.

60%

users could complete all assigned tasks during user testing.

test

45%

of the participants

found the app

useful.

empathize

iterate

User Testing & Impact Highlight

Unveiling Our Success Stories

Setting up my account was a breeze! The step-by-step guide and Apple Pay integration made onboarding so much faster.

Participant 1

The UI is super intuitive. Adding funds and checking my balance is effortless now. I hope MBTA uses this!

Participant 4

“Love that I don’t need a plastic Charlie Card anymore. It’s a small change, but it helps reduce waste!”

Participant 2

Multi-mode trip planning is a game-changer. Seeing my full route across trains, buses, and ferries in one place is amazing!

Particpant 5

While this was a passion project, we followed a complete UX process to create a well-structured design system that contributed to its success. This journey taught us invaluable lessons, and we’re grateful for the opportunity to submit it as a potential proposal to the MBTA for further feedback.

Reflections & Future Opportunities

SUNSET

What We Learned?

📱 Mobile First-Design & Contextual Research

Understanding the context in which users interact with the app highlighted the importance of a mobile-first approach, ensuring seamless usability on the go.

What We Learned?

📱 Mobile First-Design & Contextual Research

Understanding the context in which users interact with the app highlighted the importance of a mobile-first approach, ensuring seamless usability on the go.

What We Learned?

📱 Mobile First-Design & Contextual Research

Understanding the context in which users interact with the app highlighted the importance of a mobile-first approach, ensuring seamless usability on the go.

What We Could Have Done?

🚇 Worked alongside MBTA

To create a more impactful solution, we analyzed MBTA’s current challenges. With more time, collaborating directly with their team would have helped refine the design for real-world feasibility.

What We Could Have Done?

🚇 Worked alongside MBTA

To create a more impactful solution, we analyzed MBTA’s current challenges. With more time, collaborating directly with their team would have helped refine the design for real-world feasibility.

What We Could Have Done?

🚇 Worked alongside MBTA

To create a more impactful solution, we analyzed MBTA’s current challenges. With more time, collaborating directly with their team would have helped refine the design for real-world feasibility.

Next Steps >

📱 Designing for Android & Dark Mode

As a passion project, we focused on iOS design. However, expanding to Android is a crucial next step to ensure accessibility for a wider audience—something we’d love to explore further.

Next Steps >

📱 Designing for Android & Dark Mode

As a passion project, we focused on iOS design. However, expanding to Android is a crucial next step to ensure accessibility for a wider audience—something we’d love to explore further.

Next Steps >

📱 Designing for Android & Dark Mode

As a passion project, we focused on iOS design. However, expanding to Android is a crucial next step to ensure accessibility for a wider audience—something we’d love to explore further.

A new way to make your transit
in Boston digital & easy.

-Thankyou-

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