Banking Apps & Product UX: Part 4: Reviewing the Capitec Transactional Flow
💡 “If your app isn’t super simple in every way, then it’s IN the way.”
Capitec’s mobile banking app embodies this principle, quietly setting a gold standard for functional, user-focused design. Welcome to the fourth instalment of my Banking App and Product UX Review series, where I dive into the user experience of South Africa’s major banking apps to spark meaningful conversations about crafting exceptional digital experiences. This week, we turn our attention to the Capitec Banking App, evaluating its functionality against our standardized UX rubric and exploring how it navigates the delicate balance of simplicity and capability.
My goal? To ignite thoughtful dialogue around building financial products that genuinely serve users and to surface the design decisions that make or break those experiences. By the series’ finale, I’ll attempt to distil the top design patterns that modern banking apps should adopt.
⭐️ My Refined Ratings Rubric
I’ve refined my rubric in an attempt to be more objective - this is to ensure transparency and consistency. If we both score Capitec against the same criteria, our ratings should align. I’ve adopted an allegory of a user on a journey to vividly illustrate the user’s experience, so you’ll know exactly what I’m measuring at each step.
💬 Let me know how your own experience compares - or even better, try applying the rubric and share your score! 📱 Note: These reviews are based on the iOS versions of the apps. I recognise that Android experiences may differ and will consider an Android review after I have completed the iOS reviews.
🏦 Capitec Product UX Review
If your banking app could use a UX tune-up, let’s chat! I’m always up for discussing product design and pushing our banks toward more delightful, intuitive experiences. Drop your thoughts, scores, or pain points in the comments. 🚀 #ProductDesign #Banking FNB South Africa | Discovery Limited | Capitec | Absa Group | Nedbank | Investec | Standard Bank South Africa
Helping organisations thrive in an Agile world.
3wI recently signed up for a Capitec business account with high hopes. I think two things are very important to take note of: 1. Unfortunately, I am yet to be able to order a business card and, therefore, unable to do basic purchases needed to get my business going. I have gotten 2 errors on the order screens telling me my town, "Betty's Bay", is incorrect. I did my own testing, and, sure enough, when I removed the apostrophe from "Bettys" I no longer had the error and could move to the next step, but I was met with a new error on the next screen which gave me no insight as to what was wrong: "A technical error was encountered." 2. I am all for enhanced security in a fraud-rampant South Africa, but the "selfie" security feature does not feel intuitive; it feels like a chore to get my face in the box every time I want to log in. In general, I am very confused about the security standards and the interpretations from our companies. It is almost like we are building security for stolen phones as a norm.
Africa Expert | Fintech Specialist | SaaS/PaaS Sales | Strategic Account Partnership Management | C-Suite Executive Relationship Building | Cross Functional Commercial Leadership | Business Development Strategy|
1moShaheen Khatieb - something new for you to review 👇
Global Lead: Solutions Group at iSON Xperiences
2moIt is interesting to compare this rating to what you see in the App stores though where customers do the rating.
Strategic Business Integration & Fraud Risk Management: Second Line of Defence
2moThanks for sharing, Shaheen
Senior Software Engineer
2moThanks for sharing, Shaheen