Bank of Scotland has revamped its mobile app in a bid to make logging in a hassle-free three click process.
The first time that they use the new iPhone and Android apps, customers will be prompted to 'register' their device, linking them to their handset and the app.
Subsequently, they will only be required to enter three random characters from their 'memorable information' (MI) to log in. Bank of Scotland says that it can keep the process down to three clicks because each time they use the app customers will be asked for a different combination of characters from their MI.
Other banks, such as RBS, ask for a normal PIN at log in, requiring five characters. Lloyds asks users for a password and three characters from the customer's MI.
Robin Bulloch, MD, Bank of Scotland Community Bank, says: "We've listened to what our customers want from their mobile banking experience and are delighted to introduce the 'three click' login. Using this new next generation app, customers will find mobile banking faster, easier and very secure."
Mobile commerce firm Zapp recently revealed that it has been trying to get banks to simplify their log-in procedures. The VocaLink-owned outfit is set to launch a service which lets customers make payments from their bank apps but concedes that the current convoluted log-in procedures could put people off. BoS is not one of the banks signed up to Zapp.