Four current users of the modern financial application


 Четыре актуальные для пользователей функции современного финансового приложения

A fintech company overloaded with projects that they develop just to stay in trend, to withstand competition. In addition to the development of the current functionality, we every day have to work for the future, learning something new. The integration of Masterpass, the development of QR technologies in the pursuit of relevance of development plan of any company which is engaged in reception of payments, often lose their original purpose — to offer the customer not only innovative, but first of all the most relevant and useful services.

As a result, many are focusing on initiatives not on income, but on the image history. In the medium and long term this can be very detrimental to business. So I gathered four of the most popular features that the Ukrainian Internet user expects from a modern financial application to pay for services in the home. A kind of must-have without which your product will look incomplete. Most of them are relatively simple to implement, providing the basis for broader strategies in the future.

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P2p-transfers from card to card. To explain the obvious importance of a quick transfer from card to card of any Bank with a single (preferably minimal) of the Commission’s quite difficult — so important is this function. The majority of active Internet users have cards in several Ukrainian banks — one for payroll, another for convenient banking, third due, for example, freelancing, etc. Convenient money transfers between cards are a necessary condition for effective operation of their small financial system. Some companies have built the business on p2p transfers. Now to surprise the client does not need the availability of such an option, but only to the degree of its convenience.

Payment of the balance of the mobile phone. Paradoxically, the fact — it was 2018, and mobile Commerce is not just very much alive and aiming for the leaders. Often for the user payment mobile balance are the basis for replenishment online games, pay for Internet and even communal. The presence of such a payment method will significantly increase your business. We tested the effectiveness of mobile Commerce many of the services LeoGaming and Parking UA — and therefore advise.

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Billing and payment of invoices. Seemingly simple function, but it is available not for everyone. Imagine the situation: you have a mobile wallet, and your user is a freelancer, who must submit progress reports with invoices, just to throw the money on his Bank card will not work. Forming a Bank invoice to the person who has no Papa? Here would be a useful feature of the invoices — you or the freelancer create an account, it is payment, there is a corresponding receipt in which it is possible to register for payment.

Quality push notifications. Indirect payment feature, but no less interesting. Push messages in the app is a vital tool for communication. In fact, it is a way of communicating your product with its user. Therefore, the method should not be saturated with kantselyarita, boring or incomprehensible technical phrases spam, which stretches from the back end. Use short sentences without “water” — just the point. Imagine twittering to increase the number of characters. Also, use Emoji to focus on the main thing. Competent push notifications provide a high level of penetration and usage of your application.

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The main mantra of any application running with the customers money is “minimum clicks, maximum functionality”. An intuitive, modern design, maximum performance. And remember, if your product simply works — it’s not an achievement, but only the beginning.

Four must-have functions of modern financial applications

 Many fintech companies are overwhelmed by projects.They develop it simply to stay in trend. In addition to the development of the existing functionality, day to day we have to work for the future, inventing something new. Masterpass integration, QR technologies development — in the pursuit for relevance, the development plan of any payment acceptance often loses its original goal — to offer the customer not only innovative, but first of all the most relevant and useful services.

As a result, many focus on initiatives, not directed at revenues, but at the cool media story. In the medium and long term, this can be crucial for your business. Therefore, I collected the four most requested functions of Ukrainian Internet user expects from a modern financial application to pay for services in everyday life. A kind of must-have, without which your product will look incomplete. Most of them are relatively simple to implement, providing the basis for the future broader strategies.

P2p money transfers. It is rather difficult to explain the obvious importance of having a quick transfer function from a card to a card of any bank with a single (preferably minimal) commission — this function is simply basic. Most active Internet users have cards in several Ukrainian banks — one for salary, the other for convenient banking, the third for, for example, freelancing, etc. Convenient money transfers between cards are a prerequisite for the efficient operation of their small financial system. Some companies built their business on p2p transfers. Now, you can surprise a customer not by the presence of such an option, but only by the degree of its UI/UX.

Possibility of payment by mobile phone account. Paradoxically, but the fact is: in 2018 mobile commerce is not just alive, but also marks the leading point in money turnover. Often mobile balance payments are essential for a user for adding funds to online games accounts, paying for the Internet, and even for public utilities. The presence of such a payment method will greatly enhance your business. We have checked the effectiveness of mobile commerce on many LeoGaming services and Parking on the UA app — that’s why I’m advising it.

Payment invoices. It would seem a simple function, but it’s not available in many apps. Imagine a situation: you have a mobile wallet, and your user is a freelancer who needs to report on the work done with the invoices. Simple money transfer to his bank cards irrelevant. Forming a bank invoice? For a person who doesn’t have a sole trader registration? Here there will be a useful function of invoices — you or a freelancer create an account, pay for it, pay a corresponding receipt, in which you can prescribe the payment purpose.

High-quality push notifications. Indirect payment feature, but no less interesting. Push messages in the application — the most important communication tool. This is the best way your product communicates with its user. Therefore, the method should not be saturated with clerical, boring or incomprehensible technical phrases spam, which stretches from the back-end. Use short sentences without “corporation pop” — only the important. Imagine yourself tweeting before Twitter increased the number of symbols. Also use emoji for emphasis on the main topic. High-quality push notifications provide a high level of penetration and use of your application.

The main mantra of any application that works with customers’ money is “minimum clicks, maximum functionality”. Intuitive, modern design, maximum productivity. And remember, if your product just works — this is not an achievement, but only the beginning of a journey.

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