Wachovia is one of the biggest banks in the United States, and as such, it remains rather unusual that it has no dedicated mobile app for its customers to use to log in to their accounts via a mobile device. Although the options for accessing such accounts are numerous, and can easily be done through a mobile phone in a couple different ways, there are a few advantages to mobile apps that clients are sure to enjoy.
Many other banks have recognized the benefits of giving their customers a dedicated app with which to log in to their finances; customers prefer one-click access, rather than having to open a browser and type a long URL into the web address field. The simplicity of the apps can’t be matched, and even this relatively minor advantage can end up making a big difference in terms of usage rates and customer satisfaction.
Beyond that, mobile apps allow a higher degree of efficiency as compared to regular websites, which generally have all sorts of other data and graphics that most clients don’t need, which slows down web page loading and can get very annoying, especially on slow networks. By abandoning extensive graphics (which are pre-loaded on the phone and don’t need to be transferred back and forth every time) as well as unnecessary menus and so on, clients are being serviced more efficiently, and that is a quick and easy way to get customers satisfied.
Better data transfer is also an easy way to save on operating costs; though admittedly quite minimal, the cavings can add up when multiplied to include the usage of enormous numbers of people. With every business on the planet looking for ways to save money, this could be added to the list, especially with the endless surge of increasing smart phone ownership rates.
In the current state of affairs, certain mobile phones, such as the iPhone and other Apple devices, employ a human quality control system, which approves all apps before use on the machines. This drastically reduces the potential of security failures due to viruses and other malicious software, which will always exist more frequently on more open devices, such as desktop and laptop computers, and, in the current state of affairs, Android devices.
On the other hand, Wachovia does offer several methods for using mobile banking to one’s advantage, included a dedicated mobile banking site, which takes advantage of the size and shape of mobile phones to improve the user interface for users accessing the service in this manner, as well as cutting down on extraneous data transfer and clutter. This nearly fulfills all the advantages of mobile apps, though still requires URL input and so on. But it’s certainly helpful.
Wachovia, now affiliated with Wells Fargo, offers its customers the option of becoming official Wells Fargo customers, which allows them full use of the Wells Fargo mobile banking applications that have thus far been developed. While perhaps not exactly what Wachovia customers are looking for, at least the option is there. But with the endless tidal wave that is the oncoming mobile banking ubiquity, Wachovia, might do well to provide better options to its clients.
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