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Encap’s Omni-Channel Enablement Platform Offers a Consistent & Secure UX Across Channels

Fintech Labs Insights

Omni-Channel to Encap means truly uniting all channels for customers: telephone, card, ATM, in-branch, online/mobile or anything else. The post Encap’s Omni-Channel Enablement Platform Offers a Consistent & Secure UX Across Channels appeared first on Finovate. ” Presenting Adam Dolby (VP, Bus.

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Alerts: Discover Card Highlights Merchant Refunds

Fintech Labs Insights

I spent too much, my payment is late, I can’t remember where that last $40 from the ATM went, and so on. And one of the easiest ways to do that is when a merchant refund appears on a credit or debit card account. And there is a huge button at the bottom to check out the transaction online (not that you’d really need to).

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WTF USA EMV CVM POS PIN SNAFU

Tomorrow's Transactions

From The EMV chip credit card transition in the US has been a disaster — Quartz. Tap, swipe, dip, PIN or sign, hand over the card or keep it… every transaction is an adventure. Chargebacks for card-present transactions increased 50% following the Oct. As far as I know, neither of these is true. Krebs on Security.

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Mobile: Why Smartphone Banking Usage Rates Have Stalled

Fintech Labs Insights

Note: The online survey was fielded in December of each year. Every new banking technology of the past 40 years (including ATMs) have struggled to get more than 50% adoption. But I''m convinced that part of the problem is a flawed mobile banking UI/UX. Bank of America Mobile Banking UX' Those trends were all upbeat.

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Lessons From The Failed Chatbot Revolution — And 5 Industries Where The Tech Is Making A Comeback

CB Insights

Customer journey: Using chat to get people from online to brick-and-mortar. For banks, that complexity is in the form of things like long, dense loan agreements and derivatives; for consumers, it’s in budgets, bank accounts, credit card statements, and subscriptions. Crafting a simple UX for a personal finance app is a tall order.