IndOASIS - Indian Bank Mobile 4+

The functionality of the app is good so far. UI is user friendly. Quite stable app apart from few options unavailable, like application of new debit card or re-issue of the same, such options are missing from the app in comparison to other banks apps where such feature is available, it really helps specially during covid 19 situations it helps one from not visiting banks personally and get it issued directly via app.

I am presently at my wits’ end with the Indian Bank Mobile Banking App. Granted, mobile banking is a fantastic tool that should ideally make day-to-day transactions hassle-free, but regrettably, this application stands as a quintessential example of what not to aim for in fintech development.

Where to even begin with its abysmal lack of user-friendliness? It's as if the app's design was an afterthought, showing little to no care for user experience. The interface is far from being intuitive, leaving us the customers to navigate a labyrinth each time we log in.

The frequent crashes are another point of contention. It's amazing how often I find myself staring at an error message, rather than the banking details I was seeking. The application's stability leaves a lot to be desired, to put it lightly.

Perhaps the most infuriating issue is the constant need to reauthenticate. Every single activity demands a new login, a nuisance that piles on unnecessary time and effort, ultimately detracting from the supposed convenience of mobile banking.

To summarize, this app misses the mark considerably, and I sincerely hope that Indian Bank takes note of these grievances. It’s high time they prioritized their customers’ digital experience. There's enormous potential for a cutting-edge, user-friendly banking application; sadly, their current attempt falls woefully short.

Haven’t logged in for few days? Face ID disabled. Try logging in using MPIN. Oh wait, MPIN is expired. ‘Please reset your MPIN’. Ok sure. MPIN reset done. Ok now reset your MTPIN also. Wait, what?! Ok sure, will reset the MTPIN also. Phew. Now let’s log in. Enter your new MPIN to log in. ‘Invalid MPIN. Log in attempts remaining 3/4’. Ok try again. ‘Invalid MPIN, log in attempts remaining 2/4’. Ok try forgot MPIN and reset it again. Disable wifi, enter RMP, and send SMS. ‘Standard SMS charges will apply’ Ok, no problem, small price to pay for a simple log in process (remember, all this started when I attempted to log in). SMS sent. A registration window opens. I enter the details. ‘You are about to register for IOB UPI’ But wait, I had done this to reset the MPIN, the process for which required me to change the MTPIN too, which indeed was deemed ‘invalid’ on subsequent log in attempts! I don’t want to register for IOB UPI, ffs.
This ‘App’ is ETREMELY FRUSTRATING TO USE.