European bank BRED faced a challenge: the online portal for their payment keyring service, which allows users to make payments with a small contactless device, was too hard to access for its intended customers – disabled adults and their guardians. The online portal is a website that allows customers or their guardians to access their accounts and manager the keyring device, but some customers found it difficult to log in. Many struggled to navigate the login process or remember their passwords, and some even became locked out of their accounts entirely. To recover their accounts, they had to contact a call center while funds remained just out of reach.