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gr2m / online-banking-webapp

Imagine there would be an open source online banking web app with awesome™ UX, that banks could adapt to their backends.
https://twitter.com/gr2m/status/435024810356523008
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Initiating a transfer #1

Open Munter opened 10 years ago

Munter commented 10 years ago

Initiating a money transfer is to hard. As a user I am exposed to banks inner workings, having to know about registry numbers, account numbers, IBAN, SWIFT, banks next business day etc.

I just want to send some money to Joe with a comment. Maybe Specify a specific day if asap isn't suitable.

There should be a way to automate look up of these tedious details based on a unique identification, such as an email address. Think of gravatar for bank details. Have people expose their bank contact details in a way so they can be auto filled in the form.

It might be that these details that the sender didn't know before hand aren't even relevant to them at all, since they can be looked up in the same way next time. So just show a checkmark that the details are in order.

If the recipient hasn't provided details, maybe queue the money transfer and send an email to the address, stating that to receive the money, please enter appropriate bank details here (click link).

Research: Does publishing your bank account details expose a security risk. Can they be used for fraud, social engineering attacks or even theft in the wrong hands?

mulderp commented 10 years ago

Indeed with these new Sepa account numbers, a phone book / gravatar like service for bank accounts might be nice. Currently there are only Sepa converters in the web (but we miss a good one too). I played with one idea here:

http://sepafy.herokuapp.com/

In Germany, there are a number of free converter online, like this:

gr2m commented 10 years ago

@munter maybe Square Cash is what you want, ultimately?

Maybe you could make a quick mockup of what you're thinking of?

Munter commented 10 years ago

@gr2m Hadn't seen Square Cash before. That's a great way of eliminating the need for knowledge about the system for the sender.

I don't have any clear ideas on what the interaction should be, other than it should be simpler. Seems Square Cash has simplified it down to the essentials. In Denmark one of the banks has made a mobile app that does pretty much the same, just using peoples phone numbers as unique identifiers, making it really easy to transfer money among friends since you have all the details you need already.

Such a simplification would be a must have for me in a banking UI

gr2m commented 10 years ago

@Munter here's the workflow I understand from what you said:

As a user, I want to send money to my Friend Joe

  1. enter Joe's email address joe@example.com
  2. App send's request to a gravatar-like service with hashed email address. Services sends account information or "not found" error back
  3. App either shows error or prefills form with data received from service
  4. put in amount & a description for the transaction
  5. send transaction (incl. bank-specific verification, TAN etc)

Does that sound right? If yes, why not build a static HTML prototype for just that. We can just fake requests to the gravatar-like service, or the TAN verification. Just put in dreamcode for features that we don't have yet.