Test drive the new Internet Bank "Saint-Petersburg"

The other day (20 November) launched a new Internet-Bank "St.-Petersburg".

According to official announcement, development and implementation of the system was implemented in just 6 months — a unique for Russia project implementation period of this level of complexity.

For the first time in Russia appeared the Internet-Bank is made for people, not accountants. Existing Internet banking user plagued by an abundance of technical information, such as separate accounts for overdrafts (whatever that means), a separate statement on the card and account are not matching each other, etc.

The average Russian user that invokes scepticism. Well, let's take a test drive of this miracle. Let's see what he's in.


the

Test drive

The Internet Bank provides its demo version, where everyone can poke the buttons and try out the functionality: idemo.bspb.ru/home. What no test drive?

Sat. Start. Go!

The basic specification is fairly standard: entry via SMS, statement of accounts, transfers, regular payments, cards, deposits, etc. That can be noted new?
the

the
• Main page indeed shows an informative overview of all financial matters understandable to the mere mortal. Each account is given a name, making them easy to read.
the
• Possibility to order the card and get it in any Bank office.
the
• Auto-fill forms when translating. The first few letters of the name of the subscriber, the system understands that this payment you have ever made, and automatically fills in the account number and other fields.

But about all under the order.

Login

Here everything is standard, via SMS. Drive number, you get an SMS with a code, enter the code and you're in the system.

start page

provides a convenient overview of all your invoices, payments and cards. All information at a glance.


Dynamics problems is here: when you hover the mouse on the words "My financial svboda" in the upper right corner appears the definition of a "Mine means so much."

Account

to the Right of each account you can see two buttons.

the First button allows you to give the account any name.

Very convenient instead a series of numbers to see the account name in human language, as you perceive it actually is. Indeed, we all think so: "this is the account for Karpaty, this one is for savings" — so why not reflect this in the interface?

Second button shows the account details in the pop-up window.

statement of account

By pressing the account is opened the Bank statement recent transactions with him

Statement can be done for any period of time and to filter the payments to quickly locate essential information

For each transaction detailed information available

Loans

Bottom of the start page shows you all the credits

On each loan offers detailed information, including a schedule and payment history

Translations

to make a money transfer, it is possible to enter all fields manually

or you can ask the system to fill them automatically.

Here on the stage and out the same Ajax, I was talking about in the beginning. According to the first letters, the system automatically understands that once you've already made a similar payment, and uses its data.

this is hell!

Payment is confirmed, again via SMS and voila, your money flew!

Can I pay for services not getting off the couch.

And next time do not bother, you can make the payment regular

Popular and recurring payments

Payments you often make, you can quickly select from the list

Separately, you can set up regular transfers

payment History

Maps

you Can watch all of your active maps

And if you need to order more

currency Exchange

Here on the site you can exchange currency

convert it from one account to another

to make such transfer on the regular!

feedback Bank

In the right upper corner shows the button to contact the Bank

whatever problem you have happens, you can quickly it should be reported, and employees of the Bank will get it instantly!

Supplementary.

Person pleased when he is addressed by name. And this name can be set!

the Protection does not sleep!

If you leave the computer turned on and went to work, your session is closed automatically.

Nobody's perfect

If something goes wrong and you receive an error, this error is assigned a unique number, and you can tell the Bank the circumstances under which it happened. Thus dramatically increase the chances that Bank pros will be able to find and neutralize the problem.

cell Phones

And Yes, the Internet banking works on mobile devices!

To summarize. Pros: understated design, modern technology, all the required functionality in the base set. What's missing: perhaps the most frequent operations, such as payment of telephone or credit or currency exchange could be available with one click from the first page.
In General, drive test successfully passed. Let's see how he will behave in the Russian reality.

Article based on information from habrahabr.ru