Allied Irish Bank
First on the list, we have Allied Irish Bank (AIB).
In mid 2021, AIB updated their mobile app with new Open Banking changes, creating a more seamless flow for users making an Open Banking payment.
When we initiate an Open Banking transfer with AIB, we are transferred to the AIB app where we must enter our Personal Access Code or use biometrics to login. The information on each screen is mainly well laid out, giving the user a simpler experience. It is also worth mentioning that AIB provide a unique feature allowing the user to add a payment reference when making the payment. This allows the user to name the transaction on their bank statement. After the user selects their account, they must provide their Personal Access Code. There is a 2-3 second wait in between each of the steps.
Overall, a decent experience however having an option to use biometrics on the second authentication step and quicker load times would help create a better user experience. We’ve given this flow a 3.5/5.
Our rating: 3.5/5