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Isabel, 42, Singaporean, Working professional

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Isabel, 42, Singaporean, Working professional

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The use of UOB internet banking is okay. However the use of token can be quite troublesome. I don’t usually bring my token out with me. Or else, it’s battery flat. End up I will still have to head down to the branch for a replacement of token and the sms otp only can do this much of transaction such like a balance enquire and a small sum of fund transfer.

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Joey, 22, Singaporean, Student, Degree holder

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Joey, 22, Singaporean, Student, Degree holder

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I enjoy the use of UOB app because it really come in handy whenever I need to check if my funds are in and also to check what transaction I did.

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I like how UOB app has the tabs on dining, deals and rewards. This allow me to always know the latest promotion of what using UOB card can offer and maximise my rebates. However something that really constraints is they don’t allow me to increase my credit card limits and there’s a lot of paperwork to be done via the counter.

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Francesca Soriano, 27, Indonesia, Frequent traveler 

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Francesca Soriano, 27, Indonesia, Frequent traveler 

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Internet banking is only useful to a certain extend. I do transaction quite often so to me, internet banking really bring convenience because I don’t have to head down to the branch to do a fund transfer. However, internet banking have its limits restriction and I feel that’s not very being very flexible. As there are times where I will need to do a bigger sum of fund transfer and due to the restriction, I have to make a trip down to the branch and the queue can be long. Honestly, this is frustrating because I travel quite often too and being unable to do this, my payment are delayed.

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A financial savvy male client who has a relationship manager and appreciates the human touch compared to computerised applets

1) Not very secure in terms of remittance even with the 2 FA secure system. This is as the
2) Not sure of the progression of his online applications. And call centre is not prompt in responding to his queries.

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Benjamin 26, Singaporean Tech Savvy , Working professional in automotive industry

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Benjamin 26, Singaporean Tech Savvy , Working professional in automotive industry

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As for me personally , i always feel like there is a need to upgrade some feature in the online banking as there are too many restrictions. Although a lot of thing could be done using internet banking i feel. But the bank are not offer it and they still prefer the customer like ourself to go to any branch to do it. I feel that it's a waste of bank resources as they can put the available staff in use to a better usage compare to them just doing simple task like updating signature , processing statement request. Payment on some loan like personal loan.

The thing that make me use internet banking is that it is very convenient as i can check my balance , transaction , whether my funds have come. Although there are a lot of restriction but some simple thing they can still do like increase the limit  , change of limits , apply for credit cards and personal loan.

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Alvin  20 Singaporean , Tech Savvy , Student

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Alvin  20 Singaporean , Tech Savvy , Student

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Is good as we can use it whenever we want unlike normal branch that have opening hours. I prefer to use online banking as i can get alot of information in just a few clicks.

The accessibility i guess , as i can use it anywhere with internet. All information i need in just a device. Some bank also offer chat bot which i find it convenient to have more information on stuff I’m interested in.

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Jeffery 36 , Singaporean Not as tech savvy , Working Professional financial institute

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Jeffery 36 , Singaporean Not as tech savvy , Working Professional financial institute

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I don’t think that i would really want to use internet banking as i felt that it’s really unsafe. The information transfer might leak to bad guys.

Even though it is convenient, but the hold back for me is the security concern. Information might not be transmitted securely to the bank.

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Loen , 26 Singaporean Tech Savvy  , Working professional in risk management firm

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Loen , 26 Singaporean Tech Savvy  , Working professional in risk management firm

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Online banking is a easy and convenient platform for monetary transactions but it can also pose threat when abused.

Although It can be use everyday everywhere. But it does not attract me into using it too often as the security concern is still the main point that stop me from using it.

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A businessmen who relies very much on online banking during transfer of funds between his business clients. He would sometimes go to the branch to check on the transactions and any urgent queries.

Most of my business transactions are done over the internet. Very convenient and fast. It is also cheaper to transact over the internet than going to the branch as the service charges would be different. Instructions on the online banking are very clear, seldom do I have issue with my funds transfer.

As my corporate account type is eBiz, thus I am encouraged to transact using online banking, if not I will be charged $20 per transaction everytime I transact over the counter. So far I do not see a need to anyway, thus online banking has been very efficient, effective and manageable to me

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A housewife who is able to read and write english fairly well. She is an account holder in UOB. But she is not very tech savvy and would prefer personalised touch from branch stuff. She prefers to receive hard copy invoice whenever she goes to the branch to transact.

Very troublesome. I have poor eyesight and I am not very tech savvy, so I will need a staff for assistance. Online banking is also very troublesome as it everytime ask for authentications. Not really sure how to go about using the online banking. Feel safed and assured to get my things done in branch as I will receive hard copy receipts on the spot.

I only know how to do very simple things like check account balance. Most of the time I will go to the branch to make transfers and withdraw money. All the necessary will be done by the branch staff, so I do not have to worry if I transfer wrong amount or to the wrong person.

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A Degree holder that is very tech savvy. She is an account holder of UOB and use UOB PIB frequently to transact and check account info. She likes tasks to be done easily and swiftly. She seldom visit the branch nor atm machines as there is always long queue.

UOB online banking is very user friendly, convenient, accessible, and a one stop solution. I can find whatever informations whenever I want. I do not need to worry about receiving biased advise from staff, everything is stated clearly for my own judgement. I enjoy using online banking and I think its a good innovation from the bank. I also feel safe using online banking as frequent authentications are required. Life will be very inconvenient without this innovation.

I can transfer money to anyone easily. I can also check my account balances on my salary day whether it has been credited or not. Sometimes when I want to know more about study loan and credit cards, I am able to convenient view informations online.

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A DIPLOMA HOLDER THAT IS VERY TECH SAVVY. SHE IS ALSO A BANK ACCOUNT HOLDER OF UOB AND RELIES A LOT ON ONLINE BANKING AS SHE DOES NOT LIKE TO QUEUE AT BRANCH AND ATM MACHINES. SHE LIKES TO COMPLETE HER TASKS AS EFFICIENT AND EFFECTIVE AS POSSIBLE.

ONLINE BANKING IS VERY CONVENIENT AND ACCESSIBLE AS WE CAN USE IT ON OUR MOBILE PHONES ANYTIME ANYWHERE.
IT IS ALSO VERY INFORMATIVE WHENEVER I NEED AN ANSWER URGENTLY TO MY PROBLEM.
UOB PIB IS ALSO VERY USER FRIENDLY AS THE DIFFERENT SERVICES ARE ONLY TAPS AWAY. IT IS ALSO VERY SECURED AS FREQUENT AUTHENTICATIONS ARE NEEDED TO REVIEW MY INFO, AND IT IS WHAT MAKES ME TRUST THE BANK'S INTERNET BANKING.
VERY SATISFIED WITH THE INNOVATION.

WHENEVER I WANT TO TRANSFER BE IT SMALL OR BIG FUNDS, IT IS JUST TAPS AWAY AND INSTANTLY. NEVER HAVE I HAD ANY LATE PAYMENT ISSUES.
WHENEVER I WANT TO VIEW MY ACCOUNT BALANCE AND STATEMENTS, THEY ARE ALSO EASILY ACCESSIBLE AND UOB PIB IS ABLE TO LET ME CUSTOMISE MY FREQUENT NAVIGATIONS.

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Although it does serve some convenience whereby i am able to do simpler transactions online and do not need to queue at the bank branch, however, the transaction limits are way too little for most of the transactions. in addition to that, some processes like credit card application still requires us to come down to the branch to submit the online application which defeats the purpose of making the customer journey more convenient.

my motivators to use the app is the promotions listed on the site. and i do not have to visit the branch and queue for so long just to inquire about the current rates and promotions. everything can be found at the click of my fingers.

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Prestige priority customer in most (local + foreign) banks. Has businesses worldwide and requires to keep track on different currencies exchange rates constantly

I feel UOBSingapore app is generally an all-in-one stop, it goes way beyond a basic banking app, it is extensive for e.g. it includes booking of restaurants to dine at, viewing exchange rates through the app where I'll need to check a few times per day

What will motivate me to use it probably holding some in-app ONLY promotion / rewards to redeem there

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Working adult in the workforce for at least 5years. Not very tech savvy, only relies banking app for basic functions

I feel is convenient and easily accessible

To easily check my salary or transfer money to the other party and to monitor how much money in and out

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SMU student that once had her 6months internship with UOB (during polytechnic)

I feel that the app is quite seamless and have high security that allows user to feel safe and bring about convenience

UOB pay or functions that can help track my spendings as well as set budget for me to save

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A diploma holder in Information Technology, very IT savvy

1) What you feel about the UOB app
The UOB app is quite user friendly, easy to navigate as well. There are a lot of useful features as well that make it even better

2) What will motivates you to use the app
If there are like other features such as networking with other users that are using the apps. That will make users using the app have the motivations to keep using