Ah - but that’s when it gets troublesome. What is ‘everything’?
They could say it’s out of Beta when the current account is available to everyone without any waiting. But what about Savings Goals? Is that a feature that should be launched as a ‘core feature’ of the current account? And other features that are hopefully in the pipeline somewhere like mobile cheque scanning - should they be included before it’s out of beta.
This seems to be a bank that’s developing it’s features list pretty dynamically (which is good - gives them plenty of opportunity to react to what’s going on in the market and with their customers) but that does mean it’s kinda difficult to pin down when it’s ‘launched’.
What inconveniences do you accept as a ‘beta’ banking product (not necessarily the actual bank app) that you would expect to definitely be resolved before it’s launched? From the comments on the community board the 2 main actual complaints I’ve seen (although not actually experienced at all myself so can’t comment really) are:
- Incidents with the card processor so card payments declined
- Some not great responses with Customer Services queries.
Point 2 should be resolved with training and developing the CS team. Point 1 is more problematic as I’m sure there’s contracts and SLA’s involved.
I would assume the apps being beta is strongly tied to the bank itself still being in development - and they’ll take it out of beta once they’re confident they’ve got the ‘back end’ systems in place to run the service smoothly (which, compared to some of the other legacy banks (RBS/Natwest) would make a nice change!)