With the advent mobile banking apps having been developed by a number of major players in recent years, it appears the banking industry as a whole has embraced the development of the mobile market by catering to the needs or desires of smartphone owners by providing internet banking applications that can be accessed through a mobile device.
St George internet banking can now be performed through a phone, or other devices capable of accessing the same app, which for the moment includes certain tablet devices in addition to phones. While some customers argue that such a feature is largely a luxury addition, as the browsers installed on smartphones and tablets allow for online banking access through a bank™s website, many customers have found that apps are generally easier to use. If designed to take advantage of the devices input functions, as well as being optimized for screen size and excising any extraneous information or features, the apps are generally faster, easier to use, and a more positive overall experience compared to browser typing, and navigating windows designed for larger screens. Such has been the impetus behind the widespread adoption of mobile apps on smartphones and tablets in recent years, and given the growth trends of smartphones that many developed nations have seen in recent years, it is likely going to continue in the near future, perhaps reaching a predictable zenith when smartphones become the dominant communications device for most consumers.
Having entered the mobile arena with its internet banking smartphone app, St. George has indicated their support for this sort of semi-emerging technology, and it comes as a good strategic move, whether far-sighted or simple bandwagon jumping, which will serve those smartphone customers in the future. Internet banking is set to see a change in traffic as more and more clients choose to use the phones instead, which oddly comes as a weird reversal, as ordinary phone banking had become rather undesirable by comparison when placed next to computer-based internet banking, whereas now the phones will allow for the technologies to merge into one. With less reason to sign in to check one™s account, “regular” internet banking is set to see a decline.
There are a number of advantages to online banking moving to smartphones, aside from the advantages for customers who are unable to access a computer for whatever reason. Firstly, with the iPhone app vetting process, consumers will be less likely to be at risk of viral infection, as the apps need to be approved individually. Whether the far more open Android Market will have similar success in this regard is unlikely, but remains to be seen; nevertheless a password-protected app that signs out of itself with each use will be less prone to hacking than a computer whose security is potentially compromised. Furthermore, apps are generally designed with rather minimal visual requirements, as the smaller screen necessitates such minimalism, meaning apps could easily be designed to require less data transfer than a full-size webpage. This cost savings is likely to be rather moderate, but could represent a real opportunity nonetheless.
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For a more extensive set of features available, check out St George Internet Banking, which also includes a link to the main banking page, where all the features available through St George Online Banking are available.
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