There are situations when users want to do something at some point in the future – pay bills, send payments, request funds, or check out a restaurant with rewards or something.
Certain things can be achieved with autopay or scheduled payments, but there are situations where autopay or schedule payments are either unavailable or undesirable.
If that’s the case, users have the option of trusting their memory, writing a post-it note, have someone remind them, or they could choose to set up a digital reminder.
Currently, digital reminders to do things have to be set up in a third-party app because there is no ability to set reminders in the Neo app. This is extra hassle for the user and not great for the company because users can navigate into any competitor app from reminders as opposed to the Neo app.
An alternative could be an easy way to set reminders inside the Neo app. This would eliminate extra step of switching between apps for the user but also all the other steps associated with doing the action that the reminder reminds the user to do.
Current example: user sets a reminder to send $50 to Susan. When the reminder appears, the user has to open the banking app, go to payments, click send, enter the amount, select a contact, add a contact if it’s not there, click review and send. If the user is busy when the reminder appears, they can snooze the reminder or start doing the task and give up before it’s finished if they underestimate how long it will take. Maybe the app will ask for Susan’s phone number or email, or some other information that can’t be obtained immediately. As a result, the user might fail to complete the task altogether.
With reminders in the app, everything can be made much easier and set up upfront if any necessary details are required. When the reminder to send $50 to Susan appears, the user just hits “send” and it’s all done – the app knows how much to send where and has everything that’s needed.
A smarter version could alert the user beforehand that he/she might not be able to send Susan $50 next Tuesday if the current account balance is at zero dollars and remind the user to transfer money to the account or do whatever is needed to complete required tasks.