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Why online banking has stalled: Annoying, confusing, frustrating Web design

Many banking Web sites just aren't very user-friendly. That's the conclusion of a study by Web usability experts Change Sciences Group Inc. In order to grow beyond the tech-savvy early adopters, online banking needs substantial upgrades in usability. (Think: Mom and Pop.) The study looked at 16 online banking sites and found:

  • 50% have page layout problems that make information hard to find.
  • 69% lack design elements that help users stay focused and on track.
  • 50% make entering data through forms harder than it needs to be.
  • 63% ask users to do things that many see as annoying.

Nevertheless, some bank sites obviously "get it" better than others. The three best sites overall are:

1. Wachovia
2. Bank of America
3. Marshall & Ilsley (M&I)

More study results are here.

What People Are Saying

Rate this
Rated -16
294 Votes

I agree that USAA is a mess,

I agree that USAA is a mess, but I was surprised that Chase didn't rank higher.

I have Chase, and I haven't noticed any usability problems. Everything has been exactly where I need it and everything else is easy to find.

I often wonder when I see things like this if there is in fact a design problem, or if some people are just too high maintenance.

Rate this
Rated +16
306 Votes

I also didn't have to read a

I also didn't have to read a survey to know that most banks and credit unions do not "get it" when it comes to online banking. Of the 6 that I have dealt with, only one credit union has secure access, simple webpages and excellent customer service. Even the big companies are clueless. Chase requires cookie retention or else you have to request a new access code each time you try to logon. My browser (FF) is set to erase everything when I exit.