Union Bank, one of the oldest traditional banks in Nigeria, has blended into the digital banking revolution by opening a series of digital banking channels for its customers. Today, the bank’s mobile app, UnionMobile, stands among one of the most-downloaded bank apps in Nigeria as customers continue to embrace convenient and easy banking through apps.
Like other banks’ mobile apps, the UnionMobile app has some unique features, which include ATM/Branch locator, Instant account statement, weather forecast, manage and save beneficiaries, and personalize profile where one can upload his/her profile picture.
The app also operates a card-less withdrawal system, where a beneficiary can make withdrawals from any of Union Bank ATMs without using a debit card. This can be done after linking your debit card details to your profile.
The latest updates enhanced the features of the app to include payment of utility bills such as DSTV, GOTV, PHCN, etc. It also enables users to buy airtime and data bundles on the app.
Aside from these features, the app looks pleasant to the eyes with its bright blue colour design and a simple-looking interface.
Despite its great features, some users are not enjoying the app due to one issue or another. Most complaints of the users centre on their inability to log in after updating the app. In fact, many customers said they would wish the bank never updated the app as they now struggle to use the app after updating.
For some, registering on the app has become a problem as they keep getting error messages each time they attempt to log in. For this set of people, the app has been unhelpful and frustrating.
Secondly, the security features are not enough, hence many users are hesitant to use the app for fear of being hacked. The fact that the app displays a username with no option to hide it is considered a security risk to the users because an unauthorized person with access to the customer’s phone can easily request a password reset using the exposed username.
Some of the users are also complaining about their inability to generate receipts after successful transactions.
On the other hand, amidst the deluge of complaints about the app, its positive reviews are more than the negative ones, which is an indication that some customers are deriving satisfaction from using the app.
Indeed, with a 3.7 rating out of 5 on Google Play, the apple is above average and could be said to be serving the purpose it was designed for. This set of users believe the UnionMobile app is the best.
Summary: 1 million-plus downloads, 60% positive reviews, 40% negative reviews from a total of 12,584 users.
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