OK, with this product I will become a SAVER. Who doesn’t want to be a saver? But my Spidey-sense is tingling… what’s going on under the hood? Is this app trying to tell me “Let-us-do-the-hard-Calculus- homework-for-you-don’t- worry-your-pretty-head- about-it?” Kinda seems that way.
So I’ll need a checking account…that would be good to know in the app store copy, which kind of made Digit seem like a bank. (Which it kinda is, because Digit is opening an account for you in this flow). OK, it’s Blue Time! Whoah gang. We went from flirty winking Digit to stern Bank icon, without any visual cueing of how the app will interact with “Bank.”
These icons aren’t telling us a whole lot—ok there’s a bank…and the savings get bigger… Maybe make this a *happy account* that is bursting at its seams.
But the copy kind of does…maybe use a security or ease-of-use icon instead. Easy access to funds == safe, legit business. At this point, I’m worried about security and safety—this visual cue doesn’t put that at ease at all…
However, password- creation is one of the trickiest pieces of FinTech onboarding, and there’s a missed opportunity here to educate the consumer on why that’s important. Glad there was some education on what to expect with Bank before account creation— that’s nicely done.
Scary! I know what ACH is and I’m still a little freaked out. The copy should should say that this will allow us to transfer money to and from bank (using ACH rails). Unclear what the state relationship is between the six-digit code above and the “Verify Your Number” button here.
For a good overview, check out Chapter 4 in Payments Systems in the US by Carol Coye Benson. They are the rails behind US FinTech services PayPal and Venmo. ACH is slow (several days) aiming for same- day settlement, but aren’t quite there yet. ACH enables push and pull transactions between accounts. ACH is a system owned by banks that lets them talk to each other. But while we’re here…
Maybe pull this step up in the flow to give newbies a familiar context, instead of generic Gloomy Bank… Large, familiar icons, easily clickable… OK—I’m beginning to feel like Digit knows what it’s doing and is connected with legit banks.
PHEW! “I’ve started..” Who is speaking to me? Is it the omniscient Digit? Rut-roh. Thanks, but I’m going to want to use your product and understand its value before I tell my pals. No hard feelings?
PHEW! “I’ve started..” Who is speaking to me? Is it the omniscient Digit? Rut-roh. Thanks, but I’m going to want to use your product and understand its value before I tell my pals. No hard feelings? Thought I was “all set” but let’s see where “DONE” gets us…
Ohhh, is this like an IFFFT to make formulas or recipes between Digit and my bank accounts? A little ghosted demo of what WILL be here when my account is connected WOULD BE GREAT.
Hmmm, what does FUN do? Let’s try “Liftoff” Makes sense and is actually a pretty neat experience. Needs some modeling though so users don’t send commands INTO THE VOID!
Things Digit could have done to increase comprehension and recall: First 10 days: What people with similar savings patterns have saved. Coveted things: what people spend their digit savings on.
Things Digit could have done to increase comprehension and recall: First 10 days: What people with similar savings patterns have saved. Coveted things: what people spend their digit savings on. Assess what kind of saver I think I am vs. what I actually am—you have all my bank data, after all.
It’s cute, but now it’s making me suspicious of the whole enterprise. I should feel secure, confident, and any sense of trust should be built with features over time. Now I’m like “WTF is this Zebra doing with my money?” Instead, zebra costume. Huh.
There’s too much magic here, not enough relevance or motivation. What does someone who saves $50 a month eventually become? Put another way, why I am I doing this? While I really like the reminders…. they expose users to seeing their balance regularly…
I would recommend bringing out the silly only when your customer experiences a success or reaches the next win. Otherwise it’s disorienting and I’m learning that everything around money is a “dope” joke. And saving money is hard, it takes some effort.
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