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Mobile banking — without the bank?
http://www.bbc.com/capital/story/20131217-mobile-banking-without-the-bank
Nicole Sobey Professor Klinkowstein
Selected Business Article
Nicole Sobey Professor Klinkowstein
Selected Business Article
Selected Business Article Summary
• Banking with apps becoming popular• Some are only in-app banks• Apps specifically made for
smartphones.
Nicole Sobey Professor Klinkowstein
• In-app banks are popping up world-wide. • Students use apps to bank.
Nicole Sobey Professor Klinkowstein
Setting/ When This Can Be Observed
Interview Questions
• What do you like and dislike about using an app to bank?
• Do you prefer to use your phone to bank or go to the bank to bank?
Nicole Sobey Professor Klinkowstein
Interview Questions
• What do you normally use your banking app for?
• Do you think that banking on your phone is a convenience or annoying to do?
Nicole Sobey Professor Klinkowstein
Nicole Sobey Professor Klinkowstein
Students using phone apps to bank.
Ethnographic Research- Subject 1
• Likes to use the app to bank.• Doesn’t have any complaints about the app.
Nicole Sobey Professor Klinkowstein
Ethnographic Research- Subject 1
• Prefers to use the app unless she has to deposit a check.
• Finds the banking app to be very convenient.
Nicole Sobey Professor Klinkowstein
Ethnographic Research- Subject 1
Nicole Sobey Professor Klinkowstein
Students using phone apps to bank.
Ethnographic Research- Subject 2
• Likes to use the app and doesn’t have any complaints about using it.
• Still goes into the bank and uses the app.
• Using the bank or the app depends what she needs to do with her money.
Nicole Sobey Professor Klinkowstein
Ethnographic Research- Subject 2
• Uses the app to check balance, transfer money, and deposit checks.
• Finds the app to be very convenient.
Nicole Sobey Professor Klinkowstein
Ethnographic Research- Subject 2
Nicole Sobey Professor Klinkowstein
Students using phone apps to bank.
Ethnographic Research- Subject 3
• Likes the app because of its convenience to bank anywhere.
• Likes to go to the bank and use app, depends on how much time is available.
Nicole Sobey Professor Klinkowstein
Ethnographic Research- Subject 3
• Uses app to transfer money.• Thinks the app is very convenient and
doesn’t really have any complaints about it.
Nicole Sobey Professor Klinkowstein
Ethnographic Research- Subject 3
Nicole Sobey Professor Klinkowstein
Students using phone apps to bank.
Ethnographic Research- Subject 4
• Dislikes app because it doesn’t feel secure as going to bank.
• Likes app because its makes it easy to transfer funds between accounts.
• Prefers to go to the bank instead of using app.
Nicole Sobey Professor Klinkowstein
Ethnographic Research- Subject 4
Ethnographic Research- Subject 4
• Uses app to transfer funds between accounts.• App is convenient, except for depositing checks.
Nicole Sobey Professor Klinkowstein
Conclusion
• Most subjects thought the banking apps were convenient and enjoyed
using them.• Most subjects did not have many
complaints about using banking apps.
Nicole Sobey Professor Klinkowstein
Conclusion
• Most subjects found it difficult to deposit checks while using phone app.
• Most subjects used the app to transfer money from one account to another.
Nicole Sobey Professor Klinkowstein