With the increasing growth of tech utilization, it’s no surprise that every bank has used this opportunity to make its operations more streamlined, providing people with fast and efficient transactional solutions in the shape of mobile banking apps. But even with these advancements, there are some institutions where clients struggle when it comes to using a corporation’s app with regard to their user interface, providing an overall negative UX.
User interface (UI) is the means through which a person controls any app or website’s features to be user-friendly, allowing the visitor to interact with the brand’s software or hardware easily. While user experience (UX) is about any user’s overall experience and interaction with an app or a website; this includes efficiency and ease-of-use.
Since the purpose of a mobile banking app is to provide convenience to the audience, an app that does the opposite doesn’t really bode well for the overall UI and the resulting UX any huge corporation aims to provide. One such example is the mobile banking app of the Standard Chartered Bank.
Operating since 1863, when they first launched their operations in Karachi, the Standard Chartered Bank is one of the oldest and largest international banks to have been operating in Pakistan. Although SCB’s services are satisfactory, their clients usually complain of how their mobile app is not up to the standards of functionality and convenience usually set by SCB.
Regional and Global Analysis
Every good design is done by keeping the user experience and the changing technological environment in mind. Any app that doesn’t focus on this becomes outdated and inefficient to use, no matter how sleek an interface they provide. And while the international SCB apps provide a smooth and efficient user interface, with a technologically streamlined UI, the same can not be said for the banking app operating in Pakistan. Here, users report it to be complex and inconvenient when it comes to transferring between accounts from the app, while also old school, and lacking important features that will optimize every user’s mobile banking experience at SCB. You can see the differences between the two in the images below.
Standard Chartered International
Standard Chartered Pakistan
Proposed UI Redesign
Hence, with the issues described above came the question of how much improvement in the user interface was needed for the app to become optimized and easy to use. Keeping these customer needs in mind and based on experience with the current app, a wireframe was created for a UI redesign for the Standard Chartered mobile banking app by building a clean, to-the-point interface using the same brand tone as SCB so that customers can easily relate to it.
The proposed UI redesign for SCB has been put forward for market validation and accepted as a good alternative to the app that’s currently being operated by Standard Chartered. Whether the concept will be utilized officially or not, though, remains to be seen.