2. Make sure your website will load fast.
Using typography that is styled with cascading style sheets
(CSS) will allow the text to download and render almost
instantly, providing immediate content to engage users.
images and other nonessential features. This makes your
website progressively enhance while the user is engaged with
With more and more sites being “dynamically” rendered
from a database, ensure that you are using cache to speed
up the load time.
been minified to create the smallest download possible. Users accessing your website from smartphones make each of
these recommendations more critical.
With over 90 percent of your traffic and repeat users accessing this page, ensure that you are committed, and can
easily create regular home page updates. Give routine site
visitors something that will grab their attention, diverting
them from their usual beeline into online banking.
3. Keep content fresh—enough so that users
Think about your home page, the one you use to login to
Internet banking. What advertisements are on that page?
When was the last time you looked at one of the advertisements? If it’s been a while, you are like most of your users
who have already seen the content over and over and have
a predisposition that the content holds no value. We have
encouraged our users to not scan the entire home page because of a lack of updates, and they have developed a “change
bias.” (A change bias is a psychological phenomenon that
occurs when a change in a visual stimulus goes unnoticed
by the observer.)
4. Design first for mobile!
Provide a complete experience for your mobile users who
are constantly connected to your brand and online services.
Limiting a bank website’s functionality and compatibility
across devices also limits its profitability. The exponential
proliferation and fragmentation of devices and the unique
user experience across a multitude of screen resolutions
has to be at the forefront of your design. Enabling users
to have the best browser experience possible regardless
of the device is paramount as smartphone and tablet
usage continues to soar. Research reveals that by 2015,
there will be more smartphones connected to the Internet
than PCs sold.
If community banks need to know one thing about
their Web presence, it is that they are now requirement to
think about the way that their website functions beyond
the home PC browser. Consideration of smartphone and
tablet accessibility is a must.
For northeastern Iowa-based BankIowa (assets: $464
million), having a mobile-enabled site was critical. Being
in the rural Midwest, it wanted to market the institution’s
availability to customers regardless of their location—
meaning no desktop computer necessary. The bank also