Framtidens bank : en studie av hur banker skulle kunna utformas med hjälp av användbarhet och social media

Sammanfattning: The retail banks are usually looked upon as conservative. Since the launch of internet banks in the 90's they have not developed much. Meanwhile the internet is developing in a fast pace and social websites are increasing in popularity. The purpose of this essay was to investigate how internet banking will develop in the near future based on interviews, literature and trend studies. With web 2.0 techniques the internet bank could develop to help the costumers take more informed decisions regarding their economic situation. Banks should start by giving the customers better service through budgeting tools and graphical overviews. It is crucial that the layout and usability of the internet banks improve since the customers find it hard to find information. Customers want the bank to help them with a larger portion of thie economy through targeted advice based on information the bank have about the customers spendings, savings, habits and income. The bank could offer comparisons between different electricity companies, insurance companies and other things that greatly affect the personal economy. In addition to this, an anonymous comparison of the statistics of customers in simular situations is of interest to the customers as well as comparisons of different banks services. Furthermore, a niche community for people with specific interest in economics holds potential for the banking industry. A community for private customers on the other hand is not an alternative since the costumers prefer other forms of communities.