Web or Mobile Application Essay Example for Free

Web or Mobile Application Essay JP Morgan Chase Mobile Bank application is one of the most important applications I have in my iPhone. Chase has created a new way of banking with their application. It is user friendly, it offers amazing capabilities, it is a time and money saver, and it has room for improvement. Chase has brought banking into our hands. The purpose of the application is to make banking for their customers stress-free. With this application customers can deposit checks from their iPhone, iPad, iPod touch, Android, Kindle Fire, and Windows Phone. All they do is input the amount of the check, take a front and back picture of the check and click submit. Customers can also view their banking and credit card balances and transaction history. Customers can transfer money between Chase and non-Chase accounts, in different ways. They offer Transfer Money, Wire Transfer, and Chase QuickPay. I just used the QuickPay feature today. My little sister bought my tickets to Lollapalooza so I paid her back through QuickPay. In order for the money to get deposit to her account, we both have to enrolled in the Person-to-Person QuickPay. Once we both signed up, I type her e-mail or phone number and the amount to transfer and submit it. Once sent, she approves the transaction, and it is complete. I am also able to pay bills with the application. This feature is truly helpful; I set up reminders on my phone to remind me of when my payments are due. When my reminder goes off, at that moment I log in to my Chase application and make the payment on the spot. I do not have to wait to get home because if I do I would forget to make it and I am charge with the late fees. Another capability is being able to find the closest branch or ATM near me. All this is possible with a smartphone and a tablet. The Chase bank application is a time and money saver. I was in the Army and I had been station in places where Chase branches or ATMs are not close to me. Right now, I live in Copenhagen, Upstate NY, which is about half an hour from Ft Drum. The closes Chase branch or ATM to me is in Syracuse, which is about an hour and a half away. Being able to have access to my account on the palm of my hand is amazing. Not having to set a foot on the bank has saved me time, gas and money. Time is very important to me and the way I pend it is written down in my planner. I do not have the time or the money to drive and wait in line. In the time it would take me to drive to the branch and back home, I could watch a movie with my family or do some homework. This application has really made my life a little easier In a likely future that I want to see added to this application would have to be like a check balance book. This feature would help me see where my money goes. Just by taping an icon I can see how much did I spend on Tuesday, how much money do I have left in my account, when do I get paid, am I getting closed to overdraft. I know this is my responsibility, but it would be nice to have my own personal accountant. Another possible addition could be being able to send and receive e-mails to and from Chase. I think these two features can help Chase improve and be ahead of other banks. ‘JPMorgan Chase has yet again won a ranking of mobile banking apps. In this one, Keynotes semiannual mobile banking scorecard, Chase came in first for the third time in a row’, ‘†¦its analysts score the apps according to 120 criteria in four categories functionality, ease of use, privacy and security, and quality and availability’ (Penny Crosman, 2013). I remember when every Saturday I will had to go to the bank to make a deposit of my checks, and having to fill up the deposit slip. Just the waiting in line used to irritate me. Being able to access my account, pay bills and make deposits without having to set a foot inside a bank is incredible. Chase Mobile definitely has changed the way their customers and I bank!