This is a request to Bank of Ireland (BoI) to hire a UX consultancy, or some high calibre UX staff.
BoI consistently provide me with shockingly poor customer experiences. One reason seems to be that their business is in many silos that don’t talk to each other. They should read this essay. Here are two stories to illustrate their broken processes:
1. Our system is perfect and you are wrong
I was in Chicago for the DUX2007 conference, having a lovely time. I knew that in the US, I couldn’t use my BoI debit card, but that’s OK, because I could transfer money online to my credit card.
I navigate to 365online, BoI’s online banking site. I enter my PIN but get error messages. I phone my BoI branch. They verify my identity with security questions. They can’t help me whatsoever (and don’t really try), so they transfer me to the 365online department. I hold for a few minutes before getting through. They ask for my online PIN. I give it to them.
“Sorry Mr Adams, that is the wrong PIN”.
I know it is not. It is the same PIN I’ve used on a daily basis for years. I explain this to them. Their response, in an unempathic, impatient tone:
“Sorry Mr Adams, the system is telling me that that is the wrong PIN so you must be wrong.”
Apparently, BoI’s IT system is perfect. I ask if they can unlock my account (so that I can get access to my own money).
“We must now reset your PIN to a different number and send it to you in the post, it will take 5 working days.”
I explain again that I’m in Chicago, that posting to my address won’t help me, and that I can’t access any money. I ask if they can simply tell me the new PIN, seeing as they already identified me with security questions before I was transferred. The agent is getting indignant:
“Absolutely not. The post is the only way.”
I ask for the agent’s supervisor but nothing changes, no-one cares. No sympathy. Unhelpful. Overly complicated processes involving multiple channels. Business silos that don’t share information.
I promise myself for the 100th time that I’m leaving Bank of Ireland. I thank the fact that Smile helped me out, I didn’t starve.
2. We’re blacklisting you even though you’re a great customer
I have two BoI accounts. One in Ireland (where I’m from) and one in the UK (where I live). I use the UK account daily, and have a great credit rating with the bank. I use the Ireland account a couple of times a year. One day, BoI send me a letter saying that they are closing my (Irish) account due to my terrible status within the bank, and that they will never do business with me again. I’m surprised, disgusted with their tone, and confused.
My understanding of what happened: My Irish account had only a few Euro in it. Unknown to me, the annual charge for using an ATM card occurred, and my account went roughly 40 Euro over it’s limit. BoI’s perfect IT system (mentioned above) apparently sent me two warning letters, neither of which I received. Upon no change to the system, it decided that this was unacceptable, so closed my account with immediate effect and sent me an angry letter.
- Why didn’t anybody check the circumstances before the account was closed?
- If someone did check, why didn’t they phone me and ask me to pay in some money?
- Why didn’t they realise that I still am a customer, a very good one at that, and that their letter is embarrassing and nonsensical?