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Technology

I've got no time for traditional banks

3 min read

When was the last time you went a day without using your mobile? I have to confess, it’s been years for me. Quite sad when you think about it, but my little box of tricks has become an extension of me, and frankly, I’d be lost without it.
 
Apart from the obvious communication benefits, it helps me keep up to date with what’s what in the world; it tracks my fitness, keeps me organised, and is also my trusted ‘go to’ whenever I have a quick query. So join me in the confessional booth and answer this quick question:
 
How many times in the past hour have you looked at your phone?
 
Okay, I’ll admit to at least 12 sneaky peeks. Chances are you’re actually reading this blog on your phone, and that’s my point. As ‘generation now’ we seek instant gratification and demand fast answers. So why should it be different when it comes to banking?
 
Mobile banking is changing the way we think about finances. If you have the option to view your savings, mortgage and current account whenever, wherever you want, then you can’t help but gain greater control over your money.
 
But what about branches? Yes, they have their uses. In fact, in sudden downpours I’ve been known to run into them for shelter! Joking aside, many people still like to pop into their branch for a face to face chat. But for how long will that be an option? After all, since 2014 over 1,000 local bank branches have closed their doors for good.

Mobile technology isn’t the sole cause of the high street banking downfall, but the banks that fully embrace it have a greater chance of keeping their tech savvy customers on board.

Atom was only ever going to be a mobile bank, and from day one customer experience was at the heart of our thinking. By making everything on our app enjoyable and as straightforward as possible, we’ve managed to create a bank that doesn’t feel like a bank. It’s more human than that.

From the ‘selfie’ biometric security, to the tactile user interface, every ‘virtual’ visit to made with the customer in mind. You can find account information easily, register and open new savings products in around 10 minutes (it's even quicker if you're already registered), and quickly dig out any essential paperwork from your own personal Vault. 

Then there’s the award-winning customer service. You can call or email our UK based Customer Support Team. Best of all, and unlike traditional banks, we’re open 24/7, 365 days of the year – and that’s why I bank on my mobile.
 
Some argue smartphones make us dumber. Perhaps, they’re right. But right now I’m sat in the back of an Uber, and during this journey I’ll order my weekly shop, book some cinema tickets, and catch up with the latest news. I’d say that’s a smarter use of my time.