I've been playing with my OCBC ibbanking page today. Being a girl who's really bad with managing my dollars and cents, the features on the ibanking portal are really helpful for me.
No doubt about it, OCBC's ibanking portal has the best 'human touch' to it. This is in comparison with previous ibanking accounts that I held with DBS and UOB.
I don't get paid for this article.
All the regular features (fund transfer, bill payment, account opening) aside, my favourite feature would be the one on Goal Setting. You start by categorizing your goal, naming it and defining the amount required, then you go into details like whether you have a deadline for it. If you do, then the system calculates your minimum required savings per month to your cause. If you don't, you can play around with the amount of savings you can actually afford and the system derives the date that you will meet your goal.
Personally I've always had a few goals that I know I need to save up for. But because I'm not the disciplined sort, I tend to set aside whatevers I have remaining at the end of the pay-cycle month as general savings, and then I lose sight of how the individual causes should be carved out from this sum.
With OCBC's Goal Setting feature I've now added my individual goals as pockets of funds on to my homepage. I've set rules to direct my monthly pay to the different pockets so no goal gets forgotten.
Also when I login to my homepage I get to see my total pool of money, split by savings that I carved out against my free cash. This is a very good summary because I can easily know my splurge limits. It is also helpful that credit card transactions that I've chalked up on my OCBC cards are displayed on the same page so I can monitor in case of over-spend.
All in all, you can tell that OCBC had put a lot of thought into making their ibanking portal useful and user friendly, all in the customer's perspective. With the relevant information displayed upfront, it makes people reminded of their saving and spending habits.
I think the portal worked for me. That's why it deserves a shoutout!
For those out there (like me) who are bad at managing your money, you can probably give OCBC a go. :)
♥
No doubt about it, OCBC's ibanking portal has the best 'human touch' to it. This is in comparison with previous ibanking accounts that I held with DBS and UOB.
I don't get paid for this article.
All the regular features (fund transfer, bill payment, account opening) aside, my favourite feature would be the one on Goal Setting. You start by categorizing your goal, naming it and defining the amount required, then you go into details like whether you have a deadline for it. If you do, then the system calculates your minimum required savings per month to your cause. If you don't, you can play around with the amount of savings you can actually afford and the system derives the date that you will meet your goal.
Personally I've always had a few goals that I know I need to save up for. But because I'm not the disciplined sort, I tend to set aside whatevers I have remaining at the end of the pay-cycle month as general savings, and then I lose sight of how the individual causes should be carved out from this sum.
With OCBC's Goal Setting feature I've now added my individual goals as pockets of funds on to my homepage. I've set rules to direct my monthly pay to the different pockets so no goal gets forgotten.
Also when I login to my homepage I get to see my total pool of money, split by savings that I carved out against my free cash. This is a very good summary because I can easily know my splurge limits. It is also helpful that credit card transactions that I've chalked up on my OCBC cards are displayed on the same page so I can monitor in case of over-spend.
All in all, you can tell that OCBC had put a lot of thought into making their ibanking portal useful and user friendly, all in the customer's perspective. With the relevant information displayed upfront, it makes people reminded of their saving and spending habits.
I think the portal worked for me. That's why it deserves a shoutout!
For those out there (like me) who are bad at managing your money, you can probably give OCBC a go. :)
♥
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