Being a member of Apple Federal Credit Union I have grown used to having to login and doing all of my banking needs through their website or mobile version site instead of using their mobile app. But why am I using their website instead of their mobile app to do my banking? It's simple their app is heavily flawed. As just a normal person and not being a designer, the app doesn't allow me to do regular banking options such as mobile deposit, view my loans or credit cards, and just the lack of understanding your users and their needs. So I just tasked myself with designing a new mobile banking app for Apple Federal in an unofficial manner and show how I was able to research and connect the dots so that users have the ability to use this app for their necessary bank needs. This is my take on how to provide a better experience for the bank members and design an app that bridges the gap that currently exists.
The number of mobile banking users will reach two billion worldwide by 2022, according to a report from Juniper Research. With more important stats collected by Business Insider, 71% of millennials say it's very important to have a banking app, and 60% say it's very important to have an app to make payments. Having read these two articles along with tens of others and having the understanding along with the data to prove the importance of any banking apps having the necessary functions (mobile deposit, account overview, loans & credit cards, payment option, and that people expect to have.
The first challenge was to create a bank app that is a one stop shop for the users. As I mentioned it before the current AFCU app directs you to their mobile website if certain actions are taken and the current app can't execute it. I wanted my app to be able to process all my requests such as mobile deposit, transfers, credit cards/loans, view alerts and account overview. I want to be able to understand each screen and the options I had on each one. The second challenge was to make the overview look of the app more uniformed when accessing the different screens opposed to the current version that each screen had different design elements.
The first thing I learned was that designing a bank app is HARD. There's a lot to consider when designing user flows and figuring out the outcomes of each action taken by the user. Second thing I learned was that there's never a perfect banking app. The reason why I say that is because no matter how much control the banks give their members, there are just things that for security purposes that requires the member to contact the bank to do such as open a new loan account or request a new card. Lastly, having the second opportunity to tackle this assignment I definitely learned more about the process especially the research part and understanding the user and how other bank apps function and look like.