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Designing Up Banking

up.com.au

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Re: Designing Up Banking

#31

Post by tomhoward »

throwaway_pdp09 wrote: post #30
tomhoward wrote: post #22

Earlier quoted context omitted.

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.

Cheers. Note I added a link to a great interview with the founder/CEO if interested.

Re: Designing Up Banking

#32

Post by rib3ye »

Having worked on design teams at tech companies for more than a decade, I can say with confidence that there are a lot of bullshitters in the industry. This piece is a really rare, thoughtful gem, communicated without pretentious sheen.

Re: Designing Up Banking

#33

Post by mwakerman »

bioipbiop wrote: post #26
declanjscott wrote: post #19

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.

I just checked and Up is 1.5%, Volt is 1.45%, and Macquarie is 1.5% for the first 4 months before dropping to 1.35%.

Edit: Up is actually at 1.6% when you activate the bonus rate by completing 5 card transactions in a month.

Re: Designing Up Banking

#34

Post by doonesbury »

The empowering, belief, culture slant was too much for me personally --- not aware I was going to Sunday mass (sarcasm) here --- but glad to hear people like their stuff.

Here's a question they don't get into: do they store transactions on the cloud? If not, why not?

Re: Designing Up Banking

#35

Post by pkteison »

mwakerman wrote: post #33
bioipbiop wrote: post #26

Earlier quoted context omitted.

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

I just checked and Up is 1.5%, Volt is 1.45%, and Macquarie is 1.5% for the first 4 months before dropping to 1.35%. Edit: Up is actually at 1.6% when you activate the bonus rate by completing 5 card transactions in a month.

Up says they are .1% without the bonus.

"Interest rate Up to 1.60% p.a. (base 0.10% p.a. and bonus 1.50% p.a - details below)" from https://up.com.au/pricing/

.1% does indeed sound pretty awful.

Re: Designing Up Banking

#36

Post by AtTheLast »

One of the best design write ups I've read in long time.

They nailed the fundamentals first, then moved on to the surprise and delight features. I believe that is fundamental for anyone doing UX/Design. I've seen way to many companies try to gamify or add silly features to improve the user experience, when in fact it ends up doing the opposite.

Re: Designing Up Banking

#37

Post by twic »

twic wrote: 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.

POSTSCRIPT: I apologise for not being clearer. It's great that you can open an account quickly. I'm questioning the need to make it feel "significant and celebratory" by adding an unskippable cutscene for the "moment post-signup that made you go “f*ck yeah” in celebration".

Re: Designing Up Banking

#38

Post by yurishimo »

PascLeRasc wrote: post #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.

Simple customer since 2013 here. The iOS menu debacle has been my biggest complaint with them in recent memory. Overall that has been a step backwards in their UX.

I can't prove it, but I think they switched to React native for parts of the app to enable more code sharing, hence the jank interaction experience. I remember when it launched, you couldn't swipe to pull out the sidebar. You can open it via a swipe now, but you still can't close it by swiping.

I really like their philosophy around goals/expenses however, so if I ever switched, it would need to be to a competitor with similar features. Simple also has a really robust website with lots of historical data and charts available. Just the other day I was able to track down $300 I withdrew from an ATM to buy a PS4 back in 2015, even without tagging the transactions in the first place.

It seems after they moved to BBVA, some of the original development team left and features have slowed a lot. Hopefully as more of these specialized banks start catching up, they will start innovating again.

Re: Designing Up Banking

#39

Post by Mobius01 »

rib3ye wrote: post #32

Having worked on design teams at tech companies for more than a decade, I can say with confidence that there are a lot of bullshitters in the industry. This piece is a really rare, thoughtful gem, communicated without pretentious sheen.

As a designer in a similar industry, I can confirm that I despise half my peers for their lack of competence and general ability to bullshit their way to a paycheck. The design industry has been irrevocably infested by people that speak a lot but can’t execute anything.

Re: Designing Up Banking

#40

Post by [deleted] »

andi999 wrote: post #18
tomhoward wrote: post #17

Earlier quoted context omitted.

I edited the last line in the hope of making it more clear, though I'm not sure what exactly made it a non-sequitur. Every company/product has a target audience - i.e., a profile for the kind of person they're most trying to reach. By definition, it excludes a lot of people.

If it were a social network, or dating site or disco I agree, age is a characterisc. For banking you need to use other characteristic than age, like 'low income, unsteady job likes/dislikes flashy interfaces' or whatever. And it doesnt mean that a few older ppl do not have the same needs. Large fractions of other agegroups might share the same characteristics you took from your target group. Of course if the targetin…

[deleted]
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