Have been using Jupiter for iOS for a few days. Apart from the mobile verification hiccups, once I logged in, everything was smooth. App opening is quick.
The first UPI payment failed. So I kind of went sceptical about the payment success rate and shifted to Paytm for a while. However, I didn’t face any payment issues later. The app on iOS feels more stable than android. None of my rewards were blocked too. However had some minor issues that I observed.
App notifications are not yet present. I still get a text message for money deposit or debit messages even though I have enabled app notifications.
UPI payment requests should be notified via app notifications rather than a text message.
When logging into the app, the account balance should be set visible by default. It’s an extra step to see how much money is present in the account.
While making a payment, users should also have an option to add a footnote to certain payments. For example, one of a food joint in my area is registered as “SM Enterprises” so it would be confusing while tallying what this place actually was. Some payments made from third party apps are often displayed as PAYOUT/383910303/… which is confusing and so an additional footnote would make sense.
Reward promos should strictly stay in the Reward section of the app. I see it creeping around in the Home section of the app, which is not bad per se. But very much out of context. It would be more streamlined if all the offers strictly remain the rewards section of the app.
I hope to see new features added like bill payments and UPI mandates. But I have heard that these are currently being built and so for what the product is right now, it’s minimal and very much functional. Very positive experience.
Sometime ago I was thinking about CVV in the same lines. I realised hiding CVV serves two purpose, 1. The example you gave. 2. It subconsciously registers somewhere in my mind that CVV(or perhaps anything hidden by default) is something important and not to be shared.
It will be mostly useful when we pay UPI in Kirana stores / street vendors who are not registered as a verified merchants and use their personal account for payment. If we can add the transaction details, later there won’t be any confusion when we check the statement.
No but I think that’s something that can’t be helped. For any amount of prying eyes, your card always have your CVV, expiry date, and card number exposed. And so as your transaction history and UPI pin. But the fact that the chances of happening anything like that is very slim.
Yes but for some cases, many a times, many things do happen that you just can’t describe with the limited options in Jupiter. For eg. - One friend asked me to buy something for him that he’ll collect from me later. In that case, it might look like shopping but for me, it’s sort of a money debit from my account for cash. So adding a footnote to these type of payments make sense.
Just checked app reviews of Nubank, Revolut, open.money, Paytm payments bank on YouTube, and no, they do not hide balance by default. And interestingly almost all legacy bank apps hide balance. This “by analogy” argument is weak, still…
I think @Divyaansh_Agarwal may be right.
@alanabraham@Divyaansh_Agarwal Yes, adding a footnote to transaction does make sense for those use cases. But doesn’t this effect the statements in some way? Or maybe instead of typing the whole sentence for a transaction, a short footnote with a character limit might do the trick.
If you’ve been using other banking apps, how are the footnotes added there?