Thread by @faizansiddiqi

I will switch to any one who has a decent digital banking option at the moment. The struggle is real, cant re-set passwords if u dont match their defined use case/workflow,call back has to happen, cant do it online if some one did wrong data entry from your form to their backend

This shit is really simple. Its been done else where, stop hiring CIOs from other banks, these guys are best case hardware procurement specialists. Worst case not even that, hire folks who can map customer journeys and have done this before. Head of digital doesnt mean

that the dudes wearing a turtle neck in the middle of summer. #BoardofPakistaniBanks and #SBP please do a fit and proper for the Head(s) of Digital and CIOs and what not. Passing hurried regulations to move people online aint gonna fix the problem. This is so broken. Yet so easy.

How will you bank the un-banked when the banked cant bank. Instead of hashtags please build uses cases, solve for customer needs vs your best case idea over a latte at a cafe where the "hip Digital bank crews" work. Make it simple tie it to phone numbers and add self service.

The world is moving to voice authentication, we are stuck at call back because primary call center is separate from (ONLINE). True story. All this because the app auto updated, forgot the keyed in settings and now wont re-authenticate till the whole process is repeated.

They link password reset to an ATM card, if you dont have one, they have a use case, in that use case if any of your manual account sign up info, that their data entry person keyed in, is wrong, you cant reset any thing online. Also for user name, you have to re-signup.

I said ok lets order a debit card, they said visa or mastercard, I said, Visa, they said ok sir, then said we cant deliver that to home, come to branch in 7 days, I said mazak na karona, master card, they said that we can deliver but it is more expensive to re-issue. #ripoff

#SBP come on. Does any one from the regulators walk through the uses cases of the customer sign up process, use of service, change in account services, up-gradation, moves, change of address. Or #SBP just doing audits. An other pet peeve of mine is that once u open an account

There is no way to update the account, so a single account cant be made joint, it has to be closed by a letter in writing. Then a new account is opened. Account types cant be changed, services cant be added or removed. Account cant be moved between branches.Who writes letters?

The CEOs of these banks should sign up for their own services as they WFH, without their ADC heads and some dude writing passwords on a post it note and some guy manually tagging and authenticating an account. The only way to fix this is to make bank Ceos use it next two weeks.