As with many other banks of the modern era, Huntington Bank has provided its clients with mobile banking applications for the use of their mobile phones in logging into their accounts, so they are able to deal with all sorts of financial errands quickly and easily, without having to visit the local Huntington Branch if they don’t feel like it.
For the uninitiated, mobile apps provide a number of benefits to the consumer and bank alike, even more so than simply the convenience of being able to log in at any time to check balances, transfer funds and so on. But of course the convenience should not be discounted as a mere luxury, as it has become rather important for users, and can make a very big difference, both in terms of user satisfaction and efficiency.
Although mobile banking apps do not really allow users to do anything beyond simply facilitating what could be done in the built-in browser of the phone, it does so more conveniently, in a few different ways; it enables the user to do a one-touch application launch, skipping the URL entry and immediately entering the app. It furthermore has the potential to transfer data more efficiently, since large graphics and unnecessary details can be abandoned if the app is dedicated to nothing more than mobile banking. This is a bigger deal than many people might think, but any amount of time spent speculating on the power of laziness should divulge the reason why this is important.
Banks like Huntington can also rely on incrementally better security in the mobile environment; while many people are suspicious of mobile phones, fearing loss, and so on, the applications present on certain devices (particularly the iOS range of devices) require human approval before download, meaning they pass a security screening procedure and are thus far less likely to contain malicious software of some kind.
All of these add up to fairly significant time savings, and perhaps a certain amount of server bandwidth as well, if graphical data transfer is to be eschewed. Adding up that minor savings over the use of millions of people, it will translate to real savings on servers and power consumption; minimal, perhaps, but certainly helpful, while simultaneously helping customers log in quickly and conveniently so they can manage their money on the go.
The tidal wave of mobile banking is also rather inevitable, as millions of people activate new smart phones all the time, and with the cost of technology only set to fall every year or two, the ubiquity of this new technology will arrive rather quickly. Customers are embracing mobile, and banks such as Huntington and others are smart to strategize that this is how millions of people will prefer to manage such information in the future, with tighter schedules and clients becoming accustomed to convenience.
Potential worries do, however, include security concerns, especially in the free-for-all open source environment that is the Android market of applications. While such concerns are not apocalyptic, it will only be a matter of time before Android experiences its first major problem, after which people will download only from safer sites with some measure of quality control. Hopefully.
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