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Designing Up Banking

up.com.au

21–30 of 48 posts

Re: Designing Up Banking

#21

I'm with Up and they're the best bank I've ever been with. They pump out features fast and often. Their API is the first I've seen in Aus. Their app is really nice to use and extremely useable. Possibly my favourite app!

Great stuff. Now, how sure are you of their security, because that's far more important than (other) features.

Re: Designing Up Banking

#22

I'm with Up and they're the best bank I've ever been with. They pump out features fast and often. Their API is the first I've seen in Aus. Their app is really nice to use and extremely useable. Possibly my favourite app!

Great stuff. Now, how sure are you of their security, because that's far more important than (other) features.

The banking facility is provided by Australia's 5th largest bank [1], which has been in business since 1858, and is as solid as any bank.

Up Banking provides the user-facing front-end, which of course needs to be highly secure too, but the tech team at Up Banking is one of the best teams in Australia (it caused quite a bit of buzz in the AU developer community when the team was quietly coming together to start working on this a few years ago; As a fun fact, some of the initial dev team previously worked together building The Conversation [2], which is a huge platform and major content source here on HN).

So, they know what they're doing and they know who to bring in to ensure they've done everything right.

Those interested may want to check out this interview with the founder/CEO [3].

My interest: no personal stake or involvement, but am friends and former colleagues with a few of the team members (including the author of this post), and I know of several others by reputation.

[1] https://en.wikipedia.org/wiki/Bendigo_and_Adelaide_Bank

[2] https://theconversation.com/

[3] https://www.youtube.com/watch?v=C64e_9kgb-s

Re: Designing Up Banking

#23
post #6

> A moment that should feel significant and celebratory — you’ve literally just opened a bank account in under 3 minutes through your phone — feels clinical and unimpressive. But why? Is this really of any benefit? To who? This whole thing reads like a designer's daydream.

It seems like a good balance when you've streamlined your onboarding to the point that its a non-event. From a UX perspective you actually need to assure the user that something important has happened. If they did this for everything it would grow tiresome pretty quickly, but since opening accounts is done once, or at least rather infrequently you don't run that risk.

Re: Designing Up Banking

#24

I'm with Up and they're the best bank I've ever been with. They pump out features fast and often. Their API is the first I've seen in Aus. Their app is really nice to use and extremely useable. Possibly my favourite app!

[deleted]

Re: Designing Up Banking

#25
post #4

Great to see so many new user-friendly fin-tech apps gaining traction these last few years. Revolut recently launched out of beta in Australia, and they have disposable cards and virtual cards, which was a huge selling point for me. It's absurd that we had to essentially hand over the password of our bank account to random online sellers and let them pull the money out, instead of just sending them some money. It's a…

Request to pay is much safer: https://www.requesttopay.co.uk/

Disposable cards just shifts the problem and still subsidises visa/mc.

Re: Designing Up Banking

#26

I'm with Up and they're the best bank I've ever been with. They pump out features fast and often. Their API is the first I've seen in Aus. Their app is really nice to use and extremely useable. Possibly my favourite app!

While I do like the developer centric features, that interest rate is pretty terrible. Macquarie and Volt are much better in that respect.

Re: Designing Up Banking

#27
Thank you for recognizing the appeal of tab navigation! Simple is the US version of this kind of bank, and they just switched the iOS version to hamburger menu navigation to have parity with Android, and it's been a step backwards in usability. Tab navigation, to me at least, helps separate things the same way we use tabs on a web browser - one is for what I have now, one is for savings, one is for transfers, etc.

Re: Designing Up Banking

#28
post #6

> A moment that should feel significant and celebratory — you’ve literally just opened a bank account in under 3 minutes through your phone — feels clinical and unimpressive. But why? Is this really of any benefit? To who? This whole thing reads like a designer's daydream.

I opened an account with a UK challenger bank while sat in a bar, and within 5 minutes had paid for a round with Apple Pay (which could be set up before the card arrived). It was pretty damn impressive. It might seem of limited utility, but I did similar when I set up my business account (though admittedly I was buying software licenses rather than beer) and that was genuinely useful. Not that I couldn't have waited, but it was nice to not have to.

Re: Designing Up Banking

#29
post #6

> A moment that should feel significant and celebratory — you’ve literally just opened a bank account in under 3 minutes through your phone — feels clinical and unimpressive. But why? Is this really of any benefit? To who? This whole thing reads like a designer's daydream.

As a designer, what annoys me so much is reading pieces from other designers who provide no evidence to their statements. If you're going to say "x is better than y" at least talk about the difference in performance when you were testing the change otherwise it feels like you're talking out of your ass.

Re: Designing Up Banking

#30

Earlier quoted context omitted.

Great stuff. Now, how sure are you of their security, because that's far more important than (other) features.

The banking facility is provided by Australia's 5th largest bank [1], which has been in business since 1858, and is as solid as any bank. Up Banking provides the user-facing front-end, which of course needs to be highly secure too, but the tech team at Up Banking is one of the best teams in Australia (it caused quite a bit of buzz in the AU developer community when the team was quietly coming together to start workin…

A decent answer, thanks.
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