Wallet apps like PayTM and Freecharge get P2P payments right by just needing a phone number to send someone money. Banks should let you log in with your phone number or email. I have to look it up each time I want to give it to someone for payments, and also if I want to log into my account. 2) Login & payments with bank account number is a government initiative that lets citizens store documents online, and it should be possible to let people create accounts without visiting a physical bank. The process of creating a bank account remains physical and ridden with paperwork, but there’s very little reason for it to be that way. Here are a few things I think still need work - 1) Creating a bank account It’s a lot easier to discard bad ideas when they’re just some scribbles on paper, and after a few iterations I had a basic flow I was happy with.ĭue to the time limitations at the event, I had to focus on getting just the bare essentials right.

I built some low-fidelity wireframes on paper before jumping into Sketch. Adaptive UIĪpp should adapt to user’s usage patterns and surface commonly used functionality without the user needing to look for it. Use biometric authentication to verify users and transactions. Fault toleranceĪ lot of banks have legacy systems which can’t easily be upgraded, but the UI can compensate partially by providing thoughtful, descriptive error states that don’t scare the user. Should be fast, or at least feel responsive even while performing tasks that will necessarily take time. Should be usable by anyone without a training manual. Paisa.tech aims to provide a mobile banking experience with the following goals: Simplicity of use

While this data is skewed in favor of internet using people (I shared the link on facebook) it does suggest that a lot of people are using phones for banking. 87.5% of users surveyed used internet banking services on their phones.

The worst ux apps of 2017