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LCU - Banking App (The Whole Story)

What started as a “quick project” has turned out to be one that went on for much longer than originally anticipated. That being said, looking out from this late stage and seeing a near finished product could not be more satisfying.

Who did we get to build it?

Our trusted provider Ultradata (UDA) – who manage our core banking platform and website were the obvious choice for the project back when we first began looking at it in 2017. Having the same company who currently manages our other online channels create our app just made sense. 

What was our focus?

 We wanted to keep it simple but ensure that we included as many of the features we knew were important to our members that we could.

Firstly, it was important to us that logging in to the app would be simple & straightforward.

That’s why, after entering your usual MVP credentials during the first time set up of the LCU – Banking App, you’ll be prompted to choose a PIN or pattern. Once that is set, there’s no need to change it unless you want to. For users sporting the latest iPhone (X and beyond) you’ll have a third option – FaceID. 

Of course we are very upset that this inevitable bit of favouritism occurred – we love our Android users equally after all and intend to support face recognition on android as soon as we are able to. Sadly that is reliant on our suppliers – and not something we can instigate ourselves. (I would if I could, I personally have an S8 and would love face recognition for myself!)

Card control  was another feature we wanted to ensure was included. You can now lock and unlock your LCU VISA card directly within the app. That means if you happen to misplace your wallet, instead of instantly calling VISA to cancel the card, only to find it five minutes later (safely tucked between the couch cushions) and then having to go through the whole replacement process anyway, you’ll now be able to lock your card with the tap of a finger.

You find the card – excellent! You tap Unlock and go on your merry way.

You don’t find the card, there’s a button right there in the app to tell us to place the order for your replacement card.

If you’re (again – the favouritism – I swear it isn’t me) an Apple Wallet user – make sure you’ve added your LCU card to your wallet. We are able to replace the details stored in the digital wallet on your phone – the same moment when the new card order is placed. Don’t wait on snail mail to start spending again! Instantly replace your card in the wallet instead.

So, why the long wait?

Some of you may recall, mentions of an app were being carefully doled out earlier this year – aiming for a mid-2018 release. But it wasn’t to be. It certainly adds a lot to the project of building a banking app when during the course of designing it, an entirely new method of payment is brought to market. Osko allows institutions to send funds, bank to bank, in moments as opposed to days. We wanted to ensure that our first app release would include the single biggest new function to hit the banking industry in the last few years. And so we decided to be patient and stay the course. Wait for quality and assurance testing to be completed, then finish designing, testing, and bringing this app to market.

What’s next?

Install of the app into our live banking environment was successfully completed on 29th November. Then we entered our “soft launch” where the app is be available to staff members only whilst we complete the final testing with all connections live.

So when do I get it?

As the final, set-in-stone, we’re-definitely-going-to-release-it date – has not officially been confirmed as yet, I can’t answer that. Final release date is reliant on the results of the tests conducted during the soft launch. Fingers crossed we’ll have zero issues, everything will work perfectly first time and we’ll be able to inform you all that it’s to be released Mid-December.

Thank you so much for reading.  

Matthew Thoms
Marketing & IT Support

Comments

avatar Nonda Sapounas
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If l use this app do l need anti virus on my phone?
I have a s7.
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avatar marketing
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Hi Nonda,

Firstly a disclaimer - I'm not strictly qualified to give this advice, but in my personal opinion, it's not necessary to have an anti-virus on your phone.

Tech Advisor had this to say "In almost all cases, Android phones and tablets do not need antivirus installed. Android viruses are by no means as prevalent as media outlets may have you believe, and your device is much more at risk of theft than it is a virus. But it is true: Android viruses do exist.

The vast majority of known Android viruses have been installed on the back of ...censored......bious apps - apps you will no longer find in the Google Play store. By default Android does not allow you to install apps from other sources, so there's no chance of you accidentally installing something nefarious.

Supposing a dodgy app does find its way into the Google Play market, Google will quickly pull the app and uninstall it from your device. But what if it comes back? Symantec has found at least seven malicious apps on the US Play Store that were pulled and then reappeared under new developers with new names."

As long as you stick to trusted apps it should be pretty smooth sailing.
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avatar Martin Oestreich
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Hi Support,
I am sorry, but I am not able to find the app in the Google Play Store.
I looked for anything LCU or Laboratories Credit Union.... but there are only apps from other credit unions appear.....what I am doing wrong?
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avatar marketing
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Hi Martin,

Thanks for your enquiry. Yes it is a bit painful to find via search in the Play Store at the moment - hopefully once it's had a few days of being on the store it will start appearing higher in search results.

You can download it from the direct link on our website (head to our homepage and click any of the banners advertising the app) I will also email you a link directly. Alternatively, if you search for the exact words "LCU - Banking App", it should appear on the first page.

Please don't hesitate to get in touch if you have any further issues.

Matthew
LCU
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