I was discussing this with a friend, and figured I would repost my thoughts here. Basically, here are ten things I would change about the FNB app:
1. Get rid of the lame animated introduction.
2. Take the locator, "contact us" and forex off the main page. Making the password login the landing screen.
3. Make the "login" button bigger and more central. This is nitpicky, but whatever.
3. Get rid of the "News" page. Make it so that once you've logged in, it takes you straight to your accounts.
4. Remove the VOIP functionality. FNB already has an app for this. I don't know why a bank in South Africa has such a boner for idea of competing with Skype, but please don't muck up your banking app with functionality nobody cares about. Also, I don't need an FNB-branded replacement for my dialer and contacts manager; the stock apps work just fine, thanks.
5. (Android version only) Make the main menu (ie. Accounts, Transfers, Payments, etc.) a series of tabs at the top of the screen that are always visible, in keeping with the standard Android UI idiom. Don't put them at the bottom of the screen (this is the iPhone idiom) and ffs, don't hide the main menu and make it accessible from a pull-up tab when this is the most important and frequently-used element of the interface!
6. Okay, this isn't really a change: the "slot machine"-style screen for payments and transfers is cool and intuitive. And also an ironic commentary on vagaries of "casino capitalism" perhaps?
7. The "services" tab could use a few more features. They should add in some of the things you can already do through FNB ATMs, eg. buy airtime, pay traffic fines. These are features that would actually be useful.
8. Make the app smaller. 18mb is ridiculous. Clearly their Android developers are ****, and they made the iPhone version first and then this gigantic port. Sigh... as usual, Android users get treated like second-class citizens.
9. Tie the search functionality to the hardware search key. Make the search function search accessible throughout the app using the search key or the context-sensitive menu key.
10. Allow me to opt out of those annoying FNB SMS alerts, and instead receive push notifications from this app when there's activity on my account.
The main thing is, make the UI more streamlined, focus on the primary things that the user needs from a banking app. Still, it's not bad fora first attempt. I give them a lot of props for being the only bank in SA to make the effort.