Ahead of a cashless society.
Piers Scott writes:
This might be of interest – Each&Other, a Dublin-based UX agency, has designed online banking for the post Payment Services Directive world.
Under the directive, by 2018 European banks must open their infrastructure to competitors. Realising this is a threat to traditional banks Each&Other has researched how banks can respond in this environment.
This new bank has been designed using human-centered design principles, including customer research and user testing. Take a look here.
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“human-centered design principles”
So, a bank with tellers, and actual people to talk face to face with then? Yay! No? Boooooo.
If you actually read the article you’d see that they’re not looking to replace the teller as the functions mentioned aren’t currently doable by the teller (putting money aside into a virtual account, dividing a bill). It’s actually about enhancing the online experience of what your bank can do, or a third party start up.
everyone relies on mobile for a lot of things, they’ve looked for solutions to gaps in the customer experience, as virtual transactions are how things work and will do moreso in the future.
War on cash.
+1 I’d be very, very wary about handing the keys to the Kingdom to the banks. A cash ban is what they want for complete control of money. It’ll come in on the back of cool tech like this. The Euro has already being inflated to infinity in the race to devalue in the currency wars. Now they need it digital before we get too clued in to the real value of our Euros and Dollars etc. Coup de gras.
Yeah maybe. I can’t see it happening for a while yet though.
I can’t picture the auld wans down the market saying let me sort u out with me smart phone there for me fruit n veg.
I suppose the idea is to get rid of those dealing in cash in the tax dodging black market, while opening allowing corporations and vulture funds pay no tax.
Cash is the past. The future is Bitcoins or the equivalent. Currently we are in the eye of a huge economic storm and we’re fast approaching a major convulsion in the bond markets where there’s a super bubble, in the housing market where the bubble is accelerating and in the stock market too. The response of major economies in 2009-10 was to print money (quantitative easing) but soon its going to come back to haunt us.
Peer-to-peer marketing poses the biggest threat to traditional banking going forward, this is their first effort to combat it..
Surely guys with tights on their heads and sawn-offs are a bigger disruptor.
That money is insured bud
Fairly uninspiring user experience. Dull actually. Ironically Jobs didn’t bother with user research at Apple. Be interested to know if the UCD approach included security, IT and other stakeholders.
More of a fan of the Intercom girls JTBD approach.
Mobile banking apps are 10 a penny. Ironically Africa was light years ahead of the curve with M-Pesa. We are now in the era of Alexa ordering and paying for coffee, Apple Pay and more.
I think N26 offers a better product.
I’m skeptical about block again and all that, it’s the simplicity and robustness these firms offer on a cross border basis, that will win the most market share.
This posts reads like a buddy advert for the design studio.
30+ people to design & code UX…lol..I could give my pet monkey a copy of adobe xd & he’d
do the same…except hes dead.
Should have read..
”Under the directive, by 2018 European banks must open their infrastructure to competitors. Realising this is a threat to traditional banks Each&Other has researched how banks can respond in this TREAT.”
+1
Relax, AIB have it sorted already: https://www.youtube.com/watch?v=zlKgE4PtbsY