Everyday Illogicality – Online Banking
by Antti
There’s something I’ve been thinking about regarding online banking that just doesn’t make any sense. It’s the logic that they have copied from their offices to the interface of their website. You can see it in the image on the right. The bank in the example is Nordea by the way.
The logic is that why on earth do I have to choose whether I’m a personal customer or corporate customer. This is the logic that you have to apply in regular street level offices, because you have specific people serving specific needs. However, this does not need to be the case in online banking. Why is this?
Everyone’s heading to the their own dashboard based on their customer id. When I enter mine, the bank knows that I’m Antti Vilpponen and he is a customer in the consumer banking business. When I sign in with my company bank id the bank knows that it’s a company signing in. Why make it difficult for the person to choose the way the desk where they want to be serviced at when there isn’t one?
Just a simple example and the world is full of these.
Comments
Hear hear! Actually banks are full of anachronisms like this which don’t really utilise the new Internet world.
I think that if it wasn’t for the fact that it is our money in the banks, we wouldn’t tolerate their sites. But since it is our money, we adapt to their standards, which aren’t very high.