PNC has expanded into the quickly expanding mobile space with smartphone apps for a variety of operating systems and devices, from Apple’s iPhone, iPad and iPod Touch lines to Android’s open platform and its many corresponding devices. Mobile banking has become something of a big thing lately, as mobile everything has become something rather significant, and the banking industry, as well as other business, would benefit from capitalizing on such trends.
Mobile apps may at first seem somewhat redundant, as the web browser installed on the phone is generally useful enough in that it can take clients to the website anyway; but this requires typing in a series of characters into a minute keyboard. And if there’s anything the internet has taught us, it’s that humans are incredibly lazy. Even a difficulty as slight as typing in a few letters is enough that many clients will simply leave it for later, when they get home and can use a regular computer to do it faster. Enter mobile apps: one click for immediate entry. For those too busy too deal with anything slow, or too lazy to type in anything unnecessary, mobile apps are the smartphone’s answer.
On top of that level of simplicity, mobile apps such as those offered by PNC are optimized for the size and resolution of the screen on the device, making navigation far easier than what could be done with a regular website. But on top of that, the images for the app are stored in the phone itself, rather than needing to be sent back and forth to the phone; the only data that needs to be communicated are simple numbers, not graphics that might slow things down, especially over a slower connection. This makes mobile apps superior even to websites designed especially for mobile phones, which are smaller and faster than a regular website. And again, speed is of the essence when it comes to digital clients who wish for everything to be dealt with as speedily as is humanly (or electronically) possible.
PNC offers its mobile apps across the major devices currently available on the market, which is a good strategy for serving as many customers as is possible, and something which should be duplicated by every other bank (and most businesses) on the planet. While it is not likely to win over any fans who already use a different bank (the banking industry is one that thrives on customer inertia), mobile apps should be seen as part of an overall customer service strategy in giving clients the best possible online banking experience. Most clients want their bank to be invisible, so they never have to deal with them at all, and a slick mobile app is one more way to make that happen.
Smartphones are likely to supplant all regular phones in coming years; the market is rapidly expanding, and with lower-cost devices likely to appear on the horizon, banks should expect the majority of clients to expect mobile apps to be readily available if they so desire. PNC has already jumped on board, and the move (whether due to simple conformity or astute long-term strategizing) is likely to pay off given the relatively paltry investment sum necessary to develop the applications. Take note, other banks. Move into the 21st century.
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Check out more details of the services provided via PNC Online Banking, which allows clients to take care of their PNC online accounts from home.
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