July 1, 2018

Digital sins of the bank: how to avoid them

In the 23 years since the launch of the first digital-only bank, Security First Network Bank, customer service in the banking industry has improved markedly. Today, most financial services have beautiful websites with intuitive interfaces and navigation. Every year there are more and more technological innovations that are actively used by banks. But the interface of digital banking does not change. Here are 6 common “sins” of digital bank UX design. And tips on how to make the design clearer and more efficient. 1. Security issues. Problem: The main reason for a customer to opt out of a digital banking system is perceived insecurity and privacy. Solution: • Write up-to-date information materials in an accessible language and promote them among clients; • Make links to third party solutions; • Develop a system for enabling two-factor authentication; • Ability to block your own account. 2. Hiding information about the existing customer service Problem: Customers can't always find support contact information. Solution: • On each page, a button to contact support • Standardization of the time interval during which the client must receive a response to a call or email. • Online chat 3. Mismatch between web and mobile versions Problem: Often the interfaces between the two versions are completely different. This discrepancy negatively affects brand awareness. And, in addition, it leads to an increase in support requests. Solution: • Adaptation of the web-version for a mobile phone • Use of identical functions, standards, design and navigation on all versions of the site. 4. Search Problem: Many sites offer primitive search, which is extremely inconvenient in online banking. Often such a search does not give a clear answer even to relatively simple queries. Solution: • Display of the search bar on all pages. • Search by transactions • Voice search • Hints for common queries 5. Notifications Issue: Notifications help users manage money. But, often, it is not clear where to find, how to configure and how to turn off these notifications. Solution: • Integrate notifications into all banking functions • Write recommendations for setting up notifications • Simplify setup 6. Sophisticated data display interface Problem: Many financial institutions display data in hard-to-read paper statement format. Solution: • Detect suspicious activity, making it easier to trace transactions. Many owners of financial institutions have already realized that users are primarily interested in the ease of use of the system. And they introduce innovative technologies into their work, including optimized web pages, mobile applications with the most accessible interface. The robot consultant remains the most advanced solution in the banking sector. He is always ready to help the client. It grabs the attention of office visitors with its ergonomic design and easy handling. Increases customer satisfaction and loyalty. Learn more about PromobotV.3

25 Июль 2018

Visa and MasterCard: fingerprint reader

Visa and MasterCard payment systems are considering the possibility of introducing fingerprint scanner technology on a bank card. Technology testing has already begun. According to the company's management, this innovation will improve the security of online payments. In addition, this will reduce the volume of fraudulent transactions in stores, because in such cases, payment is made with stolen cards. It is not known when the innovation will be mass-produced. Pros: no need for a pin code. The payment will be confirmed by applying a finger to the sensor. Of the minuses: the high cost of such a card. In the US, banks have spent more than $1 billion over several years reissuing chipped cards. It will take even more money to issue cards with a scanner. It became known that several banks have already shown interest in such technology. In their opinion, it will be of interest to corporate users and wealthy consumers who often travel abroad.

1 May 2019

Bank choice: employees or robots

Jamie Forose, CEO of Citi's client group, gave an interview to the Financial Times (FT). According to him, within five years, more than 10,000 employees working with operating systems and technologies will lose their jobs in the investment bank. This reduction is due to the growing popularity of automated systems. Robots are getting better and more accessible. In 2016, a report from the World Economic Forum was published, which stated that advances in robotics could lead to job losses of 5 million people in 15 countries by 2020. In 2017, John Cryan, the head of Deutsche Bank, argued that robots would replace half of the bank's employees after process automation. FT conducted its research, and gave the result: 8 of the 10 largest banks have laid off almost 60,000 employees in 10 years due to system automation. Tim Thorsby, head of the investment bank Barclays, made a categorical statement that any office manager "tapping on the keyboard" can not hope for a happy future.

20 April 2019

PROMOBOT CONCIERGE

The robot concierge is able to integrate with the system for issuing passes, make audio and video calls to the recipients of visits, as well as advise and accompany people. The robot combines the functions of a security guard and a concierge. LOFTBOT meets visitors, issues pass cards according to the database, according to the code or according to the passport. With the help of the robot, residents can also pay utility bills or make an application to the management company, send a message to residents. The robot can also send a signal to the security console, if necessary. And LOFTBOT easily remembers the birthdays, tastes and preferences of all residents.