It is either go digital or die for the banking business, thus it is unsurprising that all Nigerian banks now have smartphone apps to drive digital banking.
Many bank customers no longer need to attend a banking hall to conduct financial transactions thanks to these apps. Bank users can make transfers, pay bills of any kind, and file grievances directly from the apps. Upgraded functionality in some of these apps allow users to request ATM cards and checkbooks.
However, the consumer experience on these apps is far from ideal. While the apps suit the needs of users in some areas, they fall short in others. The banks are attempting to address some of the issues and concerns with regular updates.
Veryserial has tested these banking apps on a regular basis to ensure that they fulfill user requirements. In keeping with tradition, we’re going through them again to assess who’s improved and who hasn’t.
First and foremost, what do customers want from a bank app? Customers demand easy access to their funds, the opportunity to send money or conduct transactions from the comfort of their homes or offices, the capacity to track their spending without having to go to the bank, and the ease of doing business, especially for business owners.
What features do clients want in a bank app? Customers demand easy access to their funds, the opportunity to send money or conduct transactions from the comfort of their homes or offices, the capacity to track their spending without having to go to the bank, and the ease of doing business, especially for business owners.
Zenith Bank Mobile
With over 5 million downloads on Google Play Store, Zenith Bank Mobile is one of Nigeria’s most popular banking apps.
Users must enter their account number and 6-digit passwords before they can log in to their profiles on the app, which has a gorgeous white and red UI background. Some of the app’s key functions include cheque and card requests, cash transfers, self-transfer, airtime purchases, bill payment, hotel room payment, and branch finder.
There have been 5 million downloads, with 41% favorable reviews and 47% negative reviews from a total of 34,866 users.
Unity Bank Mobile
The bank’s growth has slowed over the years, and the fact that they have a mobile app called Unity mobile is a miracle. The app has a simple design and includes the standard functionality seen in other apps, such as an ATM/branch finder, immediate mobile top-up, fund transfer, and utility bill payment via cable TV. The app’s airtime top-up feature is unique in that its link is strategically placed at the bottom of the app, and you can use it to top up without having to log in.
From a total of 1,921 users, the app has 100,000 downloads, 74 percent good reviews, and 13 percent negative reviews.
United bank for Africa (UBA)
The new UBA mobile banking app makes it simple to send money, purchase airtime, and pay bills. The software includes a variety of functions that not only make your financial transactions easier and more enjoyable, but also strive to reduce your stress levels.
Saving Goal is a unique feature of the UBA Mobile app that allows you to create a saving goal (for rent, school fees, wedding, utilities, emergency, car purchase, etc.) that allows you to save a specific amount of money at a comfortable pace.
If you misplace or lose your card, you can use the app’s card management feature to secure your account. You can use this to limit the card’s use across different channels:
The app has 1 million downloads from a total of 12,205 users, with 47 percent positive reviews and 43 percent negative reviews.
ATMs, websites, and point-of-sale systems are all available. The new mobile app assures that you can protect your money at any moment by allowing you to block, lock, freeze, or cancel your card.
The app has 1 million downloads from a total of 12,205 users, with 47 percent positive reviews and 43 percent negative reviews.
ATMs, websites, and point-of-sale systems are all available. The new mobile app assures that you can protect your money at any moment by allowing you to block, lock, freeze, or cancel your card.
Polaris Bank Mobile
VULTe is the name of Polaris Bank’s digital mobile banking app. The software appears to be straightforward, with little in the way of aesthetics. The app, on the other hand, provides simple, quick, and dependable solutions that not only suit your banking demands but also improve the quality of your life.
It has its own set of features and perks, allowing on-boarded users to conduct financial operations such as account opening, bill payments, intra-bank and inter-bank transfers, balance inquiry, airtime recharge, and rapid loans while on the move.
Customers who have been onboarded can also use the Bank’s PayDay Loan, known as Salary Advance, on both mobile and web digital platforms, with eligibility determined within the VULTe application.
There have been 500,000 downloads of the app, with 63 percent favorable reviews and 32 percent negative reviews from 5,366 individuals.
