Test drive of the new Internet Bank "St. Petersburg"
The other day (November 20) the launch of the new Internet Bank “St. Petersburg” took place.
According to the official announcement , the development and implementation of the system was carried out in just 6 months - a unique for Russia project implementation period of a similar level of complexity.
For the first time in Russia, an Internet bank appeared, made for people, not for accountants. Existing Internet banks torment the user with an abundance of technical information, such as separate accounts for overdrafts (whatever that means), separate statements on the card and account, not matching each other, etc.
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For an ordinary Russian user, this causes skepticism. Well, let's test drive this miracle. Let's see what he is in business.
Test Drive
The Internet Bank provides its own demo version, where everyone can poke buttons and try functionality: idemo.bspb.ru/home . What is not a test drive?
Sat down. Bred. Go!
The basic equipment is fairly standard: logging in via SMS, account statement, transfers, regular payments, cards, deposits, etc. What can be noted from the new products?
- The main page really shows an informative overview of all financial matters, understandable to the mere mortal. Each account is assigned a name, making them easy to read.
- The ability to order a card and get it in any of the bank branches.
- Automatic filling of forms during translation. According to the first few letters of the subscriber’s name, the system understands that you have once made a similar payment, and automatically fills in the account number and other fields.
But first things first.
Login
Everything is standard, via SMS. You drive in a number, get an SMS with a code, enter a code - and you're in the system.
home page
Provides a convenient overview of all your bills, payments and cards. All information at a glance.
Dynamics is already here: when you hover the mouse over the inscription "My financial freedom" in the upper right corner there is a clarification of "My funds so much."
Dynamics is already here: when you hover the mouse over the inscription "My financial freedom" in the upper right corner there is a clarification of "My funds so much."
Accounts
To the right of each account are two buttons.
The first button allows you to give an account any name.
It is very convenient to see the name of the account in human language instead of a string of numbers, since you really perceive it. Indeed, we all think so: “this bill is for wages, this one is for savings” - so why not reflect this in the interface?The second button shows the account details in the pop-up window.
Account statement
By clicking on the account opens a statement of recent transactions with him
You can make a statement for any period of time, as well as filter payments to quickly find the necessary information.
Detailed information is available for each transaction.
Credits
All credits are shown at the bottom of the start page.
Detailed information is available for each loan, including a schedule and payment history.
Translations
To make a money transfer, you can manually enter all the fields.
or you can ask the system to fill them in automatically.
This is where the very Ajax I spoke about at the beginning comes out. According to the first letters, the system automatically understands that once you have already made a similar payment, and uses its data.
Here it is, damn it, convenience!
The payment is confirmed, again, via SMS - and voila, your denyuzhku flew!
You can pay for services without getting off the couch.
And in order not to strain at all next time, you can immediately make this payment regular
Popular and regular payments
Payments that you often make can be quickly selected from the list.
Separately, you can customize regular transfers
payment history
Cards
You can see all your valid cards.
And if necessary, order more
Currency exchange
Immediately on the site you can exchange currency
Transfer it from one account to another
And even make such a translation regular!
Feedback from the bank
In the right corner of the back lit button to communicate with the bank
Whatever problem you have, you can quickly report it, and bank employees will get it instantly!
Extra nyashki
A person is pleased when he is addressed by name. And this name can be customized!
Security does not sleep!
If you left the computer turned on and went to work, your session will close automatically.
Nobody is perfect
If something went wrong and you got an error, this error is assigned a unique number, and you can tell the bank, under what circumstances it happened. Thus, the chances that bank IT professionals will be able to find and neutralize the problem are sharply increased.
Mobile phones
And yes, Internet Banking also works on mobile devices!
Let's sum up. Pros: low-key design, modern technology, all the necessary functionality as standard. What is missing: perhaps the most frequent operations, such as paying for a phone or loan or currency exchange, could be available with one click from the first page.
In general, the test drive was successfully passed. Let's see how he behaves in the Russian realities.
Source: https://habr.com/ru/post/159543/
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