HaldeniOS
Everyday banking, on your phone.
Face ID on PaymentsProduct teamOur fraud team want a second check on payments over £500. At the moment Face ID happens once when the app opens, so a payment twenty minutes later needs nothing at all. Our compliance officer has now raised it in two audits.Ada Whitfield The twenty-minute gap is the finding here, not the amount. A session that authenticates once and then stays trusted indefinitely is the thing an auditor objects to, and they're right to. We're scoping a re-auth prompt on the confirmation step with a configurable threshold, so your fraud team can move it without waiting for a release.Round Up SavingsProduct teamEvery challenger bank does this and it is the single most common thing our customers ask for in branch. Round each card payment to the nearest pound and move the difference into a savings pot.Carmen Ruiz Planned for the summer. Two things worth agreeing before we build rather than after. Rounding up has to stop on its own if the current account would go below an amount the customer sets, otherwise you are charging overdraft interest to help somebody save, which is the sort of thing that ends up in a newspaper. And the pot needs to be withdrawable instantly and without penalty, or it is not really theirs. Both are in the spec. Tell us if your product team wants either drawn differently.Statements as PDFSupport deskCustomers need a stamped PDF for a mortgage application or a visa. At the moment they ring us and we post one, which takes four days and costs us about £6 a time.Ada Whitfield Four days and £6 to produce something the app already holds. Agreed, and it should pay for itself quickly.