The Bankwatch

Tracking the consumer evolution of financial services

Cards as the next evolution of online banking navigation

Cards.  This piece jogged me into the realisation that we are on the brink of a new visual and architecture concept for the web that benefits users, and site owners.  The piece lists off the examples from all the large sites.  Here I will get to how that helps banks.

Once in a while we see a new concept appear in information presentation for web users.  The concept is often born out of new capabilities in technology, as well as changes in hardware.  The last big shift I can think of was the shift from standalone web pages to that of pages assembled on the fly based on your preferences, or the suppliers determination of your needs.

Cards are interesting to me because they are borne out of mobile application use.  I am a heavy user of Evernote and first the ipad version, then the most recent iPhone version leant heavily on cards and just last week the PC version uses cards as an alternative to list and snippet view.  It works.

Cards are kind of like mini web pages and each is assembled based on the tried and true principles of needs and availability.  Cards are both a layout shift, and a functionality shift.  They represent the first real challenge to traditional menu driven site architecture, that much debated function amongst online banking folks.

Relevance to Bankwatch:

If we use online banking as an example, the variety of activities available in well designed sites are quite disparate now.  A very simple example.  Some would expect email money transfer within ‘payments’, others within ‘transfers’.  Hence we require clients to get to know your online banking site well to make use of all functions, and many functions do not raise to the surface for many (most) users.

In this example cards could offer the email money transfer function in several cards simply.  This could happen with site navigation too, but its harder, requires code duplication that might get missed in testing upgrades.  Cards bring visual simplicity and fit with the natural ergonomic design that we are all growing accustomed to in mobile apps.

Written by Colin Henderson

September 8, 2013 at 17:20

Posted in Uncategorized

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