Password / Security
“it must contain uppercase, lowercase, a number, a special character and you can only enter it when doing a secret dance while singing the national anthem of mars etc”
My head is full! In between the regular cycle of being forced to change passwords for multiple systems at work on a frequent basis. There’s also one required for practically everything you use… Anywhere you shop, any services or utilities places. (out of interest just how secret is a secret place , mothers maiden name or memorable place if everyone you deal with knows and asks for it anyway). Not forgetting its then some crazy mental arithmetic challenge of telling character 1,5 and 27 of your 53 digit answer to question 400.
I’m tired of my current bank demanding different passwords for apps’ online, telephone banking login’s, extra login devices etc mastercard secure/verify by visa. Give it a rest! I have no more memory capacity to remember passwords for everything across all devices. Stop bloody locking me out!
Real Time Banking
My life doesn’t disconnect at midnight Friday to reappear midnight Monday – unless it’s a bank holiday or it chooses to run a payment system early - in which case midnight Tuesday. I also still carry about my business at Christmas, New Year, Easter and other bank skiving days too. Banking is all machines anyway so it should work 24/7. Payments, transfers, deposits, card payments should show instantly not three days later. Contactless payments should show instantly.
Payments shouldn’t ever hit the account as “mysterious debit card transaction which we’ll bother to get round naming in a few days”. Maybe i’d be more likely to remember where i’d used it if my head wasnt about to launch itself into space when it explodes from the pressure of too many pointless passwords! Also i didn’t spend £1 on petrol on Monday and that should be fairly obvious because A) i have a car because i need to travel more then a couple of meters and B) the machine says minimum delivery 2L - so unless we are pricing petrol at the last time you updated your computer system its safe to say i’ve spent more than £1 - i literally cant figure why it takes about a week to fathom.
Debit Card Design
If I have more then one account with the same bank I get sent an identical card – thanks it’s really helpful when I pay for the morning coffee with money that is due to pay my phone bill direct debit instead. I’m not even asking to put my own pictures on - i’d just like something a bit more high tech then defacing it with a marker pen. Is it that difficult to offer a red card or a blue card or a green card?
Contact the bank via the app
I don’t want to ring you, I don’t want to go into the branch. I don’t want you to write to me (can a letter can not be intercepted just as much as an email? - just saying!). Let me send you a message with whatever I need to ask you about and reply – and reply the same day not in a week.
No I don’t want to sign up for text alerts to tell me about the out of date balance you hold. I want to wake up and know my wages have gone in or my flatmate has sent me the twenty quid they borrowed or my direct debits are gone and I can spend everything left.
Apple Pay & Touch ID
Because its easy
A feedback button
So when I come across something not working I can tell you and you can fix it. I don’t want to jump through a burning hoop to tell you since I downloaded iOS 184.108.40.206.3.2 that I cant click the red button anymore….
iPad / Computer logon
I’m down for the app which is how i do 90% of banking - but it would be good to be able to check the balance on the iPad or computer.
Failed Transaction = We’ll steal your money for 5 days.
On the rare occasion i’ve been a grade A secret squirrel and remembered all the passwords and decided to buy myself something pretty - it all goes wrong at the checkout and my card gets pre authorised but the transaction fails. It tells me to try again and then does the same again. My money is effectively stolen for 5 days and because its 3 days before payday i have to live like a hobo until i’m paid of the money is returned!
That’s the way it’s always been / The crap attitude
Which is why banking generally sucks, is so behind the times and why i pretty much hate most of the banks i’ve dealt with.
Thats what makes me want a better bank for starters anyway!