Payment Panel 3.0 is a system where the user data and transaction details are captured through surveys, and analysed and stored and computed to generate insights for the top level management in order to shape and steer the business in the correct path in gaining more traction and usability of the services that the company provides, and also to provide insights to the other related businesses on how the trends would be shaping and where and what to invest on to ensure the business continuity and prosperity.