Frustrated with digital banking.I don’t love digital banking. In an ideal world, somebody else would take care of my payments and financials. Introducing: P.I.T.A Payments (7 times less hassle than mobile banking) My experimental service tries to outsource most of the online banking hassle. I created a working prototype to test the experience for a user. Look at the movie of an actual payment: Pita Payments versus my regular Mobile Banking app. Just snap a picture and auto-send it to email@example.com
PITA Payments compared to Mobile BankingMy regular ING mobile banking app is a tremendous upgrade to traditional pc banking. But my functional and ugly prototype is already 7 times faster. I’m confident I could tweak this experience from 11 seconds to just 5. That would be more than 10 times faster than normal mobile banking. Do note that in the demonstration above I had to cancel 1 of the 2 bank transfers afterwards. I didn’t want to cheat so I used the exact same payment info for both.
For security & convenience: Every payment with @PITApayments only executes after 48H, after notifying the user a payment has been queued. — Nick De Mey (@nickdemey) April 15, 2015Other payments I’ve made recently with this service:
- I’ve paid some of the bills that landed in my inbox to firstname.lastname@example.org
- Forwarded a photo of a parking ticket to the same address.
- I repaid a friend just via a brief mail message that contained his bank account. (send via my iPhone)
- I paid for an upcoming bachelor party by copy/pasting payment info from one mail > sent to Pita Payments. (Gmail, Macbook)
Who wants to manage their bills & invoices? Nobody.In Belgium several services bring you an improved overview for some (not all) of the bills you receive. Example: Doccle or Zoomit both rely on a manual login in your online banking to confirm payments. This solution smells like a faster horse, not a car. Yes, it’s an improvement but not what innovation users are (actually) waiting for. This is what I learned so far from using PITA Payments.
- Almost every payment request sent to me can be forwarded (paper bills, e-invoice, mail donation,…)
- I limit myself to relatively small amounts for now.
- If I still have to type all numbers in an email first, I rather launch my mobile banking app and do the payment there.
- I can make corrections to a submitted payments due to the 48h delay I’ve set up (not possible with normal banking).
- Sometimes I’m worried about the sensitive or personal data forwarded. Anything forwarded gets deleted after the payment is executed.