A few years ago, to think about the idea of conduct financial transactions remotely by using a mobile device such as a smartphone or tablet seemed to be a science fiction thing. However, the service of mobile banking is real and has arrived, not only to improve its functionalities, but doing it without complicating the User Experience (UX) and, at the same time, offering a positive vision of their capabilities.
UX or User Experience is a design philosophy based on the needs of the user, it is focus on how the person interact with a particular product, system or service and provides a perception of the value of the system, utility, efficiency in performing tasks and so forth. In that sense, the UX is perhaps the most important objective in mobile banking system when talking about offering a total customer satisfaction refers. This is because the more fast and easily way the user finds the information that needs the more will use the application and it proof that the service cover the requirement it was created for.
It is why mobile banking has made continuous efforts to ensure that the user experience will be as positive as possible by giving useful functions to their customers.
There are at least 5 mobile banking features that improve UX. They are:
A balance between functional quantity and desing quality
Adding too much functionality has a result of the emergence of function-heavy platforms at the expense of clean design and ease of use. Keeping aesthetics and simplicity allows to the user finds information easily in a fast way feeling more comfortable with the app.
Having seamless multichannel experience
Have the optimal channel mix to determining what works best for each individual customer provides them a better multichannel experience based on their needs.
Personalized mobile selling
Delivering a personalized product sales message, and making it possible for prospects and customers to purchase on a digital channel.
Use insights to meet unmet needs
The potential for combining account aggregation, advanced data analytics and improved recommendation and application engines can result in a value-added service that is both helpful and easy to use for the consumer.
Provide end-to-end digital onboarding
A way that is in use and of simplify the entire process for the user is including auto fill of data already on file, and the ability to utilize security, authentication and digital documentation.
The majority of the currently mobile banking tools provides most of the mentioned features and continues to advance.
Will there be a time when we can conduct all of our banking (and get advice) by speaking through an app. Do you think it is possible?
