An important tech development that enabled ecommerce to make significant advancements is the integration of safe payment processing and online banking systems. The ability to complete online financial transactions without the need to go to a bank to make a deposit, arrange for fund transfers and pay monthly bills, has saved consumers and businesses alike, time and money in managing their finances and financial transactions.
Nearly all banks today offer traditional customers and ecommerce merchants online banking services that are accessible via desktop computers and mobile device applications.
However, in order to gain the trust and confidence of customers, banks must ensure that their e-banking platform provides safe and secure virtual banking services, totally protected against hacking and unauthorized or fraudulent use. Security features such as 128 bits encryption that ensure data privacy and integrity,as well as use of identifier and verification passwords in bolstering user authentication are some of the most common examples of protection measures present in online banking programs.
Yet the aesthetic qualities and features of a bank’s website can also influence customers’ choice of an online banking service provider. While it’s easy to decide on flamboyant designs, widgets and flashy features, the developers of online banking websites must take into consideration how inclusion of elements will impact the efficiency of an online banking platform and the related mobile application.
Website content and features, even if designed to enhance user experience and boost site engagement, must be managed. A content management system (CMS) is usually integrated in the online banking platform to help in creating, modifying and managing content. The purpose of which is to ensure that website features will integrate well with the online banking system even when software updates are made.
Elements that Must Integrate Well with Online Bank Websites
Security and Data Privacy Features
The effective integration of security and data privacy features in websites is important, since financial institutions are perennial targets of cyber criminals, scam perpetrators and exploiters of online financial transactions.
Customer Data Integration to Personalize and Enhance Customer Experience
Although the purpose of collecting customer data is to personalize customer services at the website level, it should not prevent or slow down customers from accessing information. As a user enhancement feature, the best use of customer data collection functions is when putting forward promotional and exclusive offers specific to the branch or location of an online banking account.
Other Website Features Focused on Improving Customer Experience
Actually, seasoned and well rounded ecommerce website developers know that designs and applications should always consider promoting positive user experience. Examples of such features and applications include Live Chats, Banner Notifications and Alerts, Site Search and as much as possible, tools providing accessibility to persons with disability (PWD).
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