A representative group of Commerzbank online banking customers took part in the study, marking the user experience of the CrontoSign mobile application and standalone hardware device, chipTAN smartcard readers: traditional (manual entry) and modern (flicker) versions, and mTAN (SMS TAN) for ease of use, performance, aesthetics and innovation. The security solutions were tested in various online banking use-cases, including domestic and international transfers.

CrontoSign produced overwhelmingly positive feedback; it was commended for speed and simplicity, as well as its innovation and originality. It was also consistently voted as the preferred solution, even when offered with a cost to the end customer. By comparison, some solutions experienced a dramatic decrease in popularity when a charge was introduced.

The CrontoSign user experience came out top in all criteria, across a spectrum of user demographics - thus proving that the Cronto solution is simple to use for all customer segments, and overcoming the challenges of enhancing security without compromising usability.

David Kreuzinger, Head of Online and Mobile Banking at Commerzbank AG, is extremely satisfied with the results: "This independent study has reinforced the positive feedback from our photoTAN deployment; proving that Cronto delivers excellent customer satisfaction, whilst achieving a new level of security for retail online banking."