Product design question

How would you build a UPI payments app for senior citizens? What features would you include in the initial release and why? How would you measure its success? If the first release is well-received, what would you prioritize for future updates?

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What this question tests

End to end product thinking for an accessibility focused fintech product: initial scope, success metrics, and a roadmap for iteration.

Define the user precisely: senior citizens who may have limited smartphone fluency, vision or dexterity challenges, and higher wariness of digital payment fraud.
For the initial release, prioritize simplicity and trust over feature breadth: large text, minimal steps to send money, and a small number of pre saved trusted contacts rather than free form payments to anyone.
Include a safety feature from day one, like a confirmation step with the recipient's name read aloud or displayed large, to prevent misdirected payments, since fraud fear is a primary adoption barrier for this group.
Measure success with transaction completion rate without support calls, and repeat usage within the first month, since both signal the product is truly usable independently.
For future updates if well received, prioritize expanding to bill payments and family linked accounts, where a trusted younger relative can help monitor, over adding more general features.
Sequence rollout with in person or phone based onboarding support, since this segment often needs hands on help the first few times.

Scopes the initial release around trust and simplicity, correctly identifying the real barrier for this demographic over feature richness.
Names a specific safety mechanism, confirming recipient identity clearly, that directly reduces the fraud fear driving non adoption.
Picks success metrics tied to independent usability, not support calls needed, which is the true test of good design for this group.

Building a scaled down version of a mainstream UPI app with no attention to trust or fraud fear specific to seniors.
Prioritizing feature breadth for the first release instead of proving basic trust and usability first.

How would you handle onboarding for someone with no prior digital payment experience?
How would family members be involved without compromising the senior's independence?