The BOV PAY MVP Problem

BOV has a problem – Revolut is seriously eating through its card payments business (and profits). Revolut in Malta is very famous and for a very good reason. No, it’s not because it provides free, VISA / Chip / Contactless cards; BOV does that as well. It’s because Revolut’s mobile app is just awesome. BOV seems to (finally) notice this and they have Revolut at their sights. How can BOV one-up Revolut? Tap-to-pay purchases!

BOV have been working on their now BOV PAY app – this will enable a mobile user to make purchases by tapping their phones. Mobile vendors have already developed this though; the likes of Google Pay, Apple Pay, Samsung Pay already exist. But here’s the problem – in Malta, only Apple Pay is officially supported, so non-android users are hung out to dry (unless you follow my unofficial guide here)

Smartly enough, BOV prioritized launching an app for Android firstly. The reason is simple – since there is no official tap-to-pay application in Malta, they’re tapping (pun intended) into an untapped market. So, android users, rejoice!..or should we?

You see, the application is in a very early phase; I’d say it’s just an MVP. The application is sluggish, the user experience is quite rubbish and the app is riddled with bugs. Tap-to-pay works, but the experience is frankly rubbish. Once I tapped my phone to pay, the app took more than 5 seconds to simply show the BOV screen and the card that I’ve paid with. But alas, it works.

Let’s discuss the next most infuriating thing. Honestly, once they get this (properly) working, I’ll seriously consider switching back to use BOV cards instead of Revolut cards daily. There is NO WAY to INSTANTLY see the transactions that I’ve affected!

Well, firstly, the new BOV PAY app does not show any transaction whatsoever. I’m guessing that this is a work in progress, and I should be using the older app to check the transaction. OK, fine. But, still, the old app does not enable me to INSTANTLY see my transaction. I’m able to see that there is a difference between book balance and available balance, but the transaction does not show up. This is PAINFUL – show me that I’ve made a payment, even though the payment may be reverted if unclaimed by merchant. It’s my right to see where my money went! UGH!

Anyway, let’s dive into some other criticism about the app; in no order:

  • It takes at least 5 seconds to get the BOV logo and the loading spinner
  • It takes another 5 seconds (or more) from successfully recognising my fingerprint into the main menu
  • I had to add all my personal details and sign up. Why did I had to provide my name, address and other information? Can’t this be derived from ownership of the card? Or maybe through the authentication of the classic BOV app?
  • When I press back, I prompted to log out; why? Isn’t it obvious that I’m the only person who’s using this app? Logout should be buried somewhere; I don’t need to see it every time.
  • The card controls feature is very weak – it only has ONE option. I’m guessing that this is WIP – no harm, no foul.
  • Again, I’m not sure why through the Review Card Details I’m able to edit information such as the expiry date, CVV, address. This needs to be done the other way round; I’d prove who I am and cards are added automagically for me and the relevant information is obtained from your records. This is a VERY WEIRD feature.
  • From a UI Experience. why does load the picture of the card each time? I’m always looking at a spinner before the card image is displayed.
  • Expiring sessions? Really? What’s protecting me from? As soon as the app is dismissed, THEN and only THEN the session should be terminated.
  • The locator feature; I’m assuming that this shows a list of ATMS? Poor naming?
  • The setting section looks very basic; but I guess it gets the job done. OK
  • The about us is very cheeky feature; it’s just a WebView of the BOV Site. Lazy!
  • Tutorials
    • The Pay-In-Site is a good and easy tutorial; the button to go to the cards section doesn’t work.
    • Using the App is again, a WebView of the BOV site.
    • Contact us – again, WebView.
  • Terms and Privacy – All WebViews (oh, did I mention that the site is NOT mobile friendly?)

I also must mention the fact that I’ve forwarded much of the feedback to BOV and they instantly got back to me over the phone to listen to my feedback. I must give credit where it’s due. I’m hoping that they the feedback that the clients are giving to them so that they can create an awesome app.

They’ve started on the right track, but they got so much progress to do. I’m just hoping that eventually they’ll introduce the Google Pay integration. But this will have to do for now. I’ll be sticking to my Google Pay and Revolut combination though; it works great.

EDIT – Here’s a demo of the BOV PAY in real life – note how long it takes for the BOV APP to trigger (and show up) after payment takes place.

You can already use Google Pay in Malta!

UPDATE: Some users have reported that Revolut was not allowing them to add cards to their Google Pay accounts in Malta. So, your mileage may vary. Users whose cards are already added will still work fine. This was working as intended at the moment of writing.

Unless you have been living under a rock, you’ll know that Apple Pay is now supported in Malta, through Revolut. But little did Android users know that Google Pay has been supported by Revolut for more than a year now!

According to an article on Android Police, around mid-July 2018, Revolut rolled out support for Google Pay. This means that using any NFC enabled Android device, you can start paying locally with your phone!

What is Revolut?

Revolut is an online bank based in the UK – you can get a free debit card to be used locally and comes with a great Android app. It’s the only card that works with Google Pay in Malta – BOV, HSBC, BNF and any other local bank do not support Google Pay, so Revolut is your only choice in this case. You can sign up with Revolut for free here (note that with each successful sign-up, I get a small kick-back, as described here).

How to I get Google Pay?

Easy – using your Android Phone, just search for Google Pay on Google Play: https://play.google.com/store/apps/details?id=com.google.android.apps.walletnfcrel

Can’t find the app on the store, or it says something like “This app is incompatible with all of your devices”? Just download the APK from some APK Mirror, like https://apkpure.com/google-pay-pay-with-your-phone-and-send-cash/com.google.android.apps.walletnfcrel. Of course, side-loading applications can be risky so proceed with caution.

revolutgooglepay

How do I add my card?

Adding the card is very easy – just follow the setup on screen. If you ever used your Revolut card with Google, you’ll find it right there. If not, just add your details. Have your Card No, Expiry Date and CVV at hand though. You’ll need to confirm a code by SMS as well. No screenshots for this section as Google Pay doesn’t allow you to take screenshots when adding cards. You can find a video guide here – https://www.youtube.com/watch?v=7zS6aR22QZM

Anything I should know?

Yes – keep in mind that these transactions are considered Online transactions. Therefore, you’ll need to enable Online Transactions in the Card Security section. Don’t worry, if it’s turned off by default, Revolut will warn you about this.

onlinetransactionsrevolut

How will my transactions appear?

This is the nice part – they will show up like all other transactions. The payment will not be towards Google; it will point to the retailer you’ve just purchased from.

revoluttransaction

How can I use Google Pay to pay?

Very easy! Firstly, make sure that NFC is turned on. Then, just unlock your phone and tap the payment machine when the retailer asks you to do so. Your phone will vibrate when you get tour phone close enough and Google Pay will activate itself. You may be asked to verify your identity, such as by supplying a PIN, Fingerprint or lock pattern. By, the way, lock patterns are bad and you should avoid them.

Take that, Apple Pay!

BOV, you’re a good bank, but your app SUCKS!

As Christmas dawns on us, most of us go out to do the usual Christmas shopping. As of this year, I’ve decided to ditch using cash (where possible) and only use bank cards when shopping. Sounds great right? Well, almost.

I am a BOV customer and I got two main accounts with them: a Cashlink account (where my wage is deposited) and another account, which has a VISA account bound to it. Normally, I only put the money that I’ll be spending on this account, as a safety measure. This means that every time that I need to do a purchase, I use the BOV app to do the transfer. This is where it quickly goes south.

So, last time I was at Valletta doing some shopping, I went to transfer some money to my VISA account. I fired up my BOV app, logged in and bam, “Application Error”. Let’s try again – but now, when I logged in, I got disconnected from my Wi-Fi and got connected on 4G. Great, the connection dropped again! Third time’s the charm! I re-logged in, and was greeted by the beautiful “you are already logged in” message. Needless to say, I had to wait again, switch off my Wi-Fi to make sure I don’t connect to somewhere else and then actually manage to to the transfer. Far more painful than it should be!

Anyway, this was not the first time that I’ve had this issue. Actually I’m surprised when it works the first time round! I’ve been talking about this with my friends on how painful it is and one of my friends introduced me to Revolut. Basically, it’s an online bank which provides you with a very good mobile app and a MasterCard. I’ve ended up replacing my BOV VISA with the MasterCard from Revolut, and I regret nothing. There are multiple advantages to using a alternative bank, but for the scope of this blog, it’s a bit irrelevant.

So, what can BOV do to their app to win me back? Because, in reality I’d still rather do all my banking with BOV rather than an alternative bank, but BOV has so much work to do beforehand.

1) I don’t care if I’m logged in from another location

Why is this a feature in the first place? If I want to manage my money from my BOV app and BOV Internet Banking, so be it! Anyway, this issue happens because you’re disconnected from the BOV app before hitting logout. This is the worst issue of them all if I’m honest.

2) The app is slow

It seems that the app is always sluggish. Why does it take 5-10 seconds to log in and get my balance? Coming to think of it, every screen transition takes about 5-10 seconds! Hey, at least they fixed the issue of waiting a minute on “Checking Security” popup. That wasn’t fun!

3) The UI is STUPID

I got a full HD (1080*1920) screen, but it seems that the BOV app can only use 7% of the screen to place the username and key fields. Why are they so tiny? Even worse, it seems that allowing multiple users to log in from the same app is a bit daft in the first place; it should only ask for my password (and remember my user).

4) The UI is dated

I get the feeling that this application was designed when Android was still in version 2 or 3. The UI is very dated – the way that settings appear reminds me of old Android. By the way, why is the settings tab activated by a tiny hamburger icon, when clearly there’s a LOT of space available?

5) Why am I not allowed to make payments to any IBAN I desire?

I can make payments to my friends (if I got their mobile number), some list of hardcoded shops (I assume vetted by then), top up my phone and that’s it! If I need to make a payment to some IBAN, I cannot do it through the app; I’ll need to use their online portal.

6) Where is fingerprint authentication?

I assume the answer is “they can’t be bothered”. Obviously, since they haven’t done any decent update to the app since like forever, this feature is stuck in oblivion. Before I got my Revolut account, I never appreciated the comfort of logging in using your fingerprint, and believe me, it works GREAT.

7) I’d like more fine-grained security control my cards

We live in 2017, but it seems that BOV is living in 1017. Why I am not allowed to turn my VISA on and off on the fly? While you’re at it, I’d like fine-graned control on swipe payments, ATM and online payments please.

8) Where are the contactless cards?

This is a good one as well, but not related to the app per-se. It seems that although BOV has rolled out contactless cards, I haven’t got one, why’s that? I’ll just assume that I need to go through some hoops and whatnot to get my hands on one. Contactless is AWESOME by the way.

9) Why do pre-authorization payments take days to appear?

I’ve always wondered this. Sometimes payments are pre-authorized rather than an instant withdrawal. When these payments occur, I can only notice this because my book balance is different (less) then my available balance. They’re not written in the statement, for some weird reason. My Revolut account does this and it also notes that this transaction is awaiting confirmation or reversal.

10) Some other features that I’d like

  • A filterable statement, or at least sorted by month
  • Split Bill
  • Request money
  • Freeze card / account

I’m pretty sure that there are a million other things I can nitpick on, but that’s all for now. Until the next one