Monday, November 15, 2010

Online Banking User Interfaces - Smile

20 years ago, my interface with my bank consisted of the telephone, letters and a visit to the branch.    I worked a fair distance from my branch and it only opened silly short hours, so I didn't often go in.

Today - I have eBanking.  Yahoo.... (mmm.  maybe that word has a different meaning)... Yehaa!

Or... so it should be.

The problem is, is that I am a geek wanna-be Software Designer.   Well, that is maybe a bit unfair on myself. I have, and do design software, but I do not design eBanking software. I like to work with systems that are designed and work well.

I am a banking user of Smile - a 'division' of the Coop.   I have been a customer for many years.  I think it was about 8 or so years ago I signed up.  I thought the system was 'just ok' and have used it since.

8 years on... and the system is 'just ok'.   Problem is every other Credit Card and eBanking solution I use it so much better.

So - why not jump?  Well.   That is a right pain in the neck. All these Standing Orders and Direct Debits.   But, I may just do that. However, I thought I would give them a chance. I wrote to customer services (messaged) and they responded by saying I could write back via them and they would pass this onto the Developers.  However, I only have 1000chrs to play with - so I decided to blog it here instead.

So - I login to my Smile Bank.  Great. Login is not too painful.  I need to remember lots of things, but it is ok, I have written them down somewhere that is not secure...   well - everyone does...

First problem I have is the 'home screen' the system shows me a list of my current and savings and credit card accounts in 2 colours.  Black and Pink.  Mmm.  Black and Pink.  Aesthetic... well. but, maybe I can click on the pink entries to jump to another screen... ah.. no.   the black... ah no.   Some black and some pink... bingo.  Yes.    

To figure out what I can do, I need to do a kind of paintbrush thing swishing back and forth until I see my icon turn to a hand.  Now - I know where I can and cannot click. But, why can't I just click anywhere in a row?

Ok - I have made it.  I can see my transaction - oh no, wait it is only showing me the last few.    Ah - yes, I see a button that says 'Previous Statements' - no problem.     Oh yuck - it now gives me a screen that says Page No.   Statement Date....  
150            15/11/2010
149            21/10/2010

etc.  I really don't care what the page number is.  I am doing eBanking... the page number is not important.

So - anyway, I click on Page 150....

Presto - it gives me a list of transactions for Page 150.  However, it gives me 3 buttons - Recent items - that must be the first page it gave me... but also - 'Previous Statements' - is that previous to the one I am looking at... or.. not sure...    I also have a 'Back a Page'.... I am on page 150... so if I go back a page that must be 149.. or is that another part of the same page 150.. I am confused.

Maybe I could press the view in Excel button.. sadly no. That is not an option.
How about PDF or my Home finance software?  Nope :-(

Anyway - maybe I am just being grumpy on a Monday morning... Back to the task of preparing my tax return for 2009/10... I know,  I should have done it back in May.  However..  so.. time to go back through my statements for last year....

that's odd... it doesn't seem to allow me to go back more than 12 months... I need to 'use the option 'order copy statement' in customer services'.   But this is an eBank. Surely the processing and disk space required to hold transactions for more than 12 months is not a problem?  It must be a few thousand bytes.  [I contacted customer services - they said I should download copies of my statements every month... Yeh - right... I receive 4 emails a month... I am supposed to go online 4 times a month an effectively create copies of my statement for them!?!]

Back button... I don't remember asking for it to log me out.... I was only going back from the Secure messages page... [I know, for a web developer, the back button is tricky... but it can be done]

Ok - my last gripe.  Secure Messages.  If I went into a Bank Branch and was asked to fill out a form and then come back tomorrow for an answer - I would be really annoyed... So... why do they expect that I will be happy to do the same in eBanking?   Why can I not chat online with bank support staff realtime?  I know - it costs more - but what about customer service? A dialog in this manner can take 3 days.   I must have asked for years what address to use on Standing Orders - I could never find it when I needed it, and don't use the one at the bottom of the screen...! that is the wrong one.

Ok - my very last gripe.  Account names.  I need to remember my accounts by the numbers - Sort Code and Account Number... why?  Why can I not just give them a nice friendly name like 'Savings Account', 'Joint Account' etc. and the system displays my nice friendly name instead of  99999999-999999.

I understand that Smile may have a User Interface design principle that is aimed at keeping it very very simple. However, I think people are comfortable moving on a bit.  The old days of making it look like a paper statement should be gone.   It is also possible to provide more advanced options, but not put them 'in your face'.

You know what I would really like to do?  I want to type in;

Transfer £150 from my Current account to my Savings Account...

I then want it to figure out what that means  - repeat it, and then do it.

What I am really sad about with Smile is that they probably save millions of pounds in not having Branch offices.  Wouldn't it be nice if they just spend maybe 1% on the replacement of the Branch office on Smile eBanking itself? 

So - please Smile - can you make my Smile online banking experience a pleasure rather than a pain?


  1. Since posting this a 15 months ago, I did move from Smile to HSBC. HSBC are better in most regards when it comes to online banking.

    After leaving, Smile discovered that they lost customers by forcing them to use the transaction security device, so reduced the use of the token device significantly.

    The actual software though has clearly not been enhanced in 5+ years. Not smiling...

  2. After examine a couple of of the weblog posts in your website now, and I truly like your manner of blogging. I bookmarked it to my bookmark website list and might be checking back soon. Pls take a look at my website as effectively and let me know what you think. second chance bank accounts california

  3. Youre so cool! I dont suppose Ive read something like this before. So good to seek out somebody with some authentic thoughts on this subject. realy thanks for starting this up. this web site is one thing that is wanted on the net, someone with a bit of originality. helpful job for bringing something new to the web!

  4. This comment has been removed by the author.

  5. Hi, you used to write excellent articles, but the last several posts have been kinda boring… I miss your super writing. Past several posts are just a little out of track!

  6. One such way is by visiting a local bank's branch in your domicile state, or home country. Many big banks that offer internet banking have a multi-national presence.takaful course

  7. I am incapable of reading articles online very often, but I’m happy I did today. It is very well written, and your points are well-expressed. I request you warmly, please, don’t ever stop writing. Software de Conciliacion

  8. This comment has been removed by the author.

  9. Great job for publishing such a beneficial web site. Your web log isn’t only useful but it is additionally really creative too. Promerica

  10. All the portals we selected provide quick withdrawal in less than ten minutes. During the Twenties the machines have been well-liked all through a lot of the United States, especially in resort areas, and they continued to be well-liked into the Great Depression years of the ’30s. Prohibition outdoors Nevada, which had relegalized gambling in 1931, was virtually whole by 1951, though unlawful operation, especially in private golf equipment, was widely ignored. You have been born ready, so hit the slots on our spacious on line casino flooring that includes over 1,600 of your favourite .01, .25, $1, and high restrict slots. Take a chance on a profitable spin end result of|as a 카지노사이트 outcome of} in case you are having enjoyable you’ve already received at Red Wind Casino. Online slots are identified to have higher RTPs, an enormous selling point lots of} gamers, as they compete towards a worldwide market giving gamers a larger likelihood to win.