I'd been hearing a lot about an emerging web based banking service called Simple - and figured (in the interest of testing out modern UI) that I'd try them out.
Plus, if they're solid - I could use them to replace my current external savings bank, who were recently acquired by a bank I detest.
You have to request an invitation - which takes awhile. I suspect they're doing the same thing Mailbox did - trying to keep a lid on growth so they don't overcommit.
I submitted my request on July 15.
On July 23, I received my invitation.
Not bad.
You sign up online. And while I didn't get screenshots of the form, let me just say - it's one of the smoothest signup apps I've ever used.
I especially loved the realtime verification of my bank's routing number. As soon as I typed in the last digit - I saw the name of my bank appear, so I knew the number was correct. (Yes, you can do that on a form submit, but much smoother to do it realtime. Plus it shows that people are going the extra mile. They didn't have to do that.)
They made a great fuss about setting up a username and passphrase and then routing you to the mobile app.
The suggestion was that once you got set up, your primary interaction would be through your phone app. As in, you won't be logging into their website much.
Awesome. I hate logging in.
And they send you a credit card, which you will use for most of your withdrawals.
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A shortcoming of this was that there were a series of steps you needed to wait for.
After requesting an invite, you needed to wait a week for it to arrive.
After signing in, you needed to wait to be approved.
After getting approved, you needed to wait until they sent you your credit card.
And after they send you the credit card, you needed to wait for some challenge transactions to appear in the external account you used to set up your simple account.
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None of these steps are a hassle, but the common denominator in all of these is time.
At some point, I got my spiffy new Simple credit card in the mail (in a spiffy custom envelope).
Except that my spiffy custom envelope was already open when I got it.
This, I did not like.
Lest I go all DEFCON-1 on this situation, I emailed the folks at simple and asked what I should do. If this was a security risk - I would like a new card sent to me. If it's not a security risk - I would just activate the card.
Simple replied that I should contact their help line and formally request a new card.
So I did.
In the meantime, I had seen the challenge transactions show up in my external bank, so I figured I could at least verify Simple's connection with my bank.
So I fire up the iPhone app. Annnnd Nothing. The app works, but I don't see anything about connecting or confirming transactions with an external bank.
Then I re-read my email from Simple (RTFM, dude) and I see:
Sign into your Initial Funding account to see the two deposit amounts, and then sign in to Simple.com on your computer to confirm them.Okay, I should go to the website. So I do:
Except it's been awhile since I set up my account on the website. I'd thought I'd be using the app most of the time, and it works with a 4 digit PIN.
Username....? Ahhh... I enter the email address they sent all my stuff to.
See that red border? That appeared right after I typed the "@" sign.
That's an omen. (for tech types, I'm using Chrome on OS 10.8.2)
Password.....? Double Ahhhhh.... I remember picking a stupidly complicated one, since they assured me I wouldn't have to type it again.
So, this is what I'm looking at right before I hit "Sign in..."
And this is what it looks like right after I hit "Sign in..."
Yes, you are not imagining things, those two images are identical.
This is a problem. Not a crippling one, but one where the user doesn't see any response to their action.
I hit the button...annnd....nothing changed. Now what?
See that red border? That's the feedback I'm supposed to be keying off of.
Red = Bad.
Thus: My Username = Red = Bad.
What's wrong with my username?
It says 'username' and not 'email' so perhaps I'd set up a username separate from my email. I honestly cannot remember.
I prune the '@domain.com' off the end and try again. This time, I get:
That's what I'd expected. I doubted I'd get the password right on the first go, but I expected to get some feedback on what happened.
I'm still not sure what my username actually is, but at least the system is responding now.
I try with my email sans domain a few more times before giving up and hitting the 'Reset your password?' link.
Okay, there's the confirmation: 'username or email' On their site, your username IS distinct from your email address. I haven't the slightest idea what my username is, but I know the email address I gave them. And I know the phone number I gave them, it's my iPhone number - 'cos I downloaded their app.
Send.
Shortly thereafter, I get this email from Simple:
From: Simple Support <support@simple.com>
Date: Wed, Aug 21, 2013 at 12:50 PM
Subject: Request to reset passphrase
To: "me@domain.com" <me@domain.com>
[Simple Logo]
We received a request to reset the passphrase for the Simple login associated with this email address. If you made this request, please follow this link and enter the verification code we sent to your mobile device:
https://www.simple.com/new-password/[long string of numbers]
This reset link is only good for 30 minutes. If you have any problems, please call us at 888-248-0632. Replies to this email are not monitored.Super! I click the link and it opens to a standard password reset form.
I'm asked to enter a new password AND enter a code that they will text to my phone.
*Bzzzt!*
My phone buzzes to announce the arrival of the security code from Simple.
Yea!
I type in a diabolically complex passphrase (which they confirm is diabolically clever) and then I key in my security code.
And like that, my password is reset.
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We're back here, again:
Do you see the problem, yet?
I still don't know my username. And nothing in the communications I've received tell me what it is.
I try my email address without the domain suffix - and it fails.
I re-read everything they've sent me up to this point. None of them spell out what my username is.
I take a guess and try a username I've used on other sites along with the password I just reset.
Success!
Pro tip: It should not be possible for a password reset sequence to end in a user not having both pieces of log in information. One or the other by itself is not going to get it done.
Understandably, there are security reasons you shouldn't do this in a single communication - but this is undeniably critical information. You must provide it as part of this process.
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The transaction log shows they've issued me a replacement card AND zeroed out the cost to me. Smart, because now I know that replacement cards cost money and that they've done me a favor by not charging me.
Pro tip: If you do a favor for your customers, make sure they know about it.
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But now that I'm in, I'm supposed to be confirming some challenge transactions with my external bank.
I have no idea where this is. To me, if this is a critical set up task (which it is - as future transactions between these banks cannot happen without this step) I would assume this (one time, setup) task would be writ large all over the screen when I come in.
Honestly, a splash intro screen would not be out of order.
"Before you begin: Setting up a connection between Simple and your External Bank requires verifying some challenge transactions.
If you've already seen these transactions appear in your external bank account, you're ready to verify them.
Would you like to verify these transactions now, or wait until later?"This is the display weight I'm expecting when I log in, but instead I get this:
Also, there might be value in having this setup task presented as a message, like they're doing in the top right of the screen. Like a To-Do list. Being user friendly, they could present it with me in the middle, since I've already ticked off a few items.
But all those 4 items are invites I can send to friends. No help.
So where do I go?
I try 'External Accounts' which makes sense:
Okay this looks right, but other than 'Add an Account' I'm not sure what to do here. I already see my account and its routing number - I mouse over it to click it...
And new controls appear!
Okay, Simple guys... If this is the step you NEED me to take, it should not be hidden behind a rollover effect.
You don't need a blink tag, but for crying out loud, make this overt.
The saving grace here is that the page is pretty bare bones. There's not a lot of distractions or other complications on the page. There's a big box over there, I'm probably going to mess with it, but it's not like having those buttons displayed from the outset would break your page.
Make them visible - give them a shiny rollover effect if you want to get fancy - but make them visible on load, 'kay?
Once I found the control, confirming the challenge transactions was dead simple.
Overall, I love the idea of the Simple.com bank - and should the trial run play out - I'll be ditching my other bank to store savings here. I've dealt with a faceless, distant bank for a long time - it's nice to try a bank that's put some effort and thought into dealing with customers via smartphone and web.
I'm giving them grief here, because these are setup tasks that should be bulletproof - but the overall of what I've seen has impressed.
More to follow.





















