How to design a small screen

It is time to develop mobile banking. we begin to realize that it is by recognizing public transport commuters, business travellers, mothers who are engaged in a variety of busy jobs, and mobile facilities since different use goals.

Banks will continue to have a little bit less experience of duplicating desktop on smartphones that's for sure. You can always ask designers and engineers to reduce individual screens and workflows to make their iphone and BlackBerry apps more popular. But mobile devices and the Internet are a completely different channel. The content of the Internet directly reduced to the phone, you can make users feel appropriate, but ignore the real mobile banking experience. We can change the development of research and design into the initial stage.

Imagine the next: too many versions of the desktop Bank, replacing it with a miniature map, the bank can create a new collection, a new collection of specially designed mobile banking services to support the real needs of busy people. Mobile banking is considered too frequently to include a subset of the following features. From the bank's website it should include: Check the balance, locate an ATM, transfer funds, and pay bills. The same feature may be an effective starting point, but in most cases it is also an endpoint, and dull innovation takes root as a "good enough" attitude. Only designers, researchers, companies and consumers have a formal design process as a way to identify what is most necessary and desirable in order to transcend existing designs.

The US Bank of America (now part of the Bank of America) was given advice from design researchers and allowed them to participate in innovation in 1998. The US MBNA Gome Bank has simply developed an online version to showcase consumer monthly credit card statements. In any case, design researchers need to visit and observe consumers before any design or development occurs.

The researchers found that users did not need or want to report online, and they wanted to see the latest online account activity. They have technology, but no one wants to configure the computer for that purpose. American Bank of America is the first, they provide consumers with a convenient, so that they can control their own costs.

This example underscores the reality that users or designers alone cannot create the best next-generation products.

Users and stakeholders are not designers, but they are a major part of the design process. For these people, they can rarely provide details about what they want in a new product. "Faster, cheaper, lighter, and prettier" reflects the highest voice in the document. True innovation does not come from asking users, but from observing them, especially their daily activities. By understanding a lot of people's habits, designers can create a holistic, realistic picture of how a person processes financial information and transactions during the course of a day. This is the discovery of innovation, which can lead to advances in mobile banking.

So why not skip all the research directly in a room to compose creative teams and make their dreams the latest and best design? After all, can't the way of brainstorming not create anything? Although some great ideas may be suddenly flashed through observation, brainstorming often tends to be impractical. Brainstorming generates more worthless concepts than money-making innovations, and it creates a passionate and thorough team that goes along the wrong path.

In fact, after leaving the study, how do you know which one to answer the user's real needs? The inspiration is based on the research, the research as evidence, points out how to establish the way of the solution.

The design of the research based on the specific user type of behavior and objectives of the study to obtain a more accurate understanding of the needs of a household. The vast majority of financial sites offer a great deal of functionality to accommodate a wide range of users, but mobile apps can be customized to best suit some type of user.

For example, a "travel fighter" is suitable for light travellers who travel light and often have no access to laptops, so she may need to pay a credit card when she is out. "City Explorer" is developed for those who are accustomed to dealing with anything with a mobile phone. They are accustomed to using mobile phones for example, RSS and Twitter data, and he may want his financial information provided in the same way. "Commuters" can pass the 45 minutes of the journey, during which time it can be used to drill down into the financial situation of the user, and eventually use a small screen for mobile devices to visually display the various analysis data.

Designer-led collaborations have created novel designs that bridge existing and existing boundaries, and this study does not need to prolong development cycles or deplete resources.

Designers can quickly sketch concepts and test them in a fast, repetitive situation with users, from concepts to early work processes to bright screens in a variety of design processes, and design leads to product innovation and development. Not only that, this process involves prototyping and testing to ensure that when a program is applied to the market, it will actually stimulate the consumer and generate business benefits for the system.

Mobile devices offer countless ways of banking revolution that have not yet been thought of. Whatever happens on the office desk should stay on the desk. Let's focus our attention on possible locations, such as on the road, in the train, in the airport, in the doctor's office, and in any other place where consumers will need to deal with business and life.

Kipp Lynch is primarily responsible for research and strategy in electronic Ink international design consultancy.

Mark Ziegler, an international design consultancy for electronic inks, is primarily responsible for the user experience.

Translation: UPA editorial group-Fat West

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