I am of the opinion that technology should make processes simpler and easier for users. After the implementation of BVN, I kept wondering why our banks continued to require customers to complete those insanely long and boring forms to get an account opened. I also wondered why any bank required anyone to physically come to a branch in order to do the same thing. A simple web interface requiring my BVN should suffice. It was with excitement that i welcomed StanbicIBTC Instant Account and went to give it a try.
StanbicIBTC Instant Account Signup
Truly, the signup interface is simple, though it has a few more steps than i think is necessary. Still, in a few moments, I had an active StanbicIBTC savings account opened and my bank account number in my hand. Awesome.
No Mobile App Access
The welcome email made it clear that I would need to visit any StanbicIBTC branch to collect my instant debit card and could then use the StanbicIBTC “Appyness” app with my account number and card details. Therein lies my problem. I do not want a debit card but I do need to be able to check my account balance using the app. I have limited web access – to check my account balance and nothing else. Which is fine by me. I want that same access on mobile, but the mobile app won’t let me in.
Every time I attempt to login on mobile, I got an error that says, “login success with limited access”but it never let me in. Here is a screenshot:
A few days ago, StanbicIBTC support people got in touch to say they noticed that I was having trouble logging in to my account. I narrated my predicament and after a not-so-straightforward discussion in which the rep at the other end tried to walk me through how to get a card and I told him I didn’t want one, he finally told that I couldn’t get mobile access without a card. Which was telling me nothing new. I think that is a silly policy.
The rep sounded like he was repeating what he had been told. It didn’t seem that he was interested in getting customer feedback. Stanbic should be listening to the customer on this one.
How Digital Is It If I Have To Visit A Branch?
I tried out the StanbicIBTC Instant Account because I loved the idea of not needing to physically go to a bank to open an account. Then the bank demands that I have to visit a branch to get a card. No. And the bank demands that for me to get mobile app access to my digital banking account, I have to get a debit card. And that means I have to visit a branch. No. Somebody at Stanbic didn’t think this stuff through.
The process of opening a StanbicIBTC Instant Account is a great improvement over the traditional clunky process of walking into a branch to complete and submit forms. It is certainly innovative. But why on earth subscribers require a debit card in order to use the bank’s mobile app beats me. This silly policy leaves a bad taste in the mouth with regards an otherwise good product.