A great article around mobile banking. Great design often completely turns existing ways of doing things upside down.
Until relatively recently, the inventors of Homelink, the UK’s first home banking service in 1983, would have felt very much at home with modern digital banking.
While relying on a television set and a home phone, instead of a website or a mobile device, Homelink allowed customers to send transfers and pay bills, services at the heart of digital banking today.
Despite the subsequent launch of the first online banking websites in the mid-1990s and incremental improvements thereafter, not a lot changed for online banking customers in the intervening period.
Banks continued to provide, to a greater or lesser degree and with varying levels of usability, the same types of online banking services to customers—viewing account balances, statements and transactions, and making payments or transfers between accounts.