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I don't see how anyone can take Chime seriously. I have a habit of checking out most new free banking apps, looking for the best deals, UI, security, etc. Chi

by axaxs 5y ago

I don't see how anyone can take Chime seriously. I have a habit of checking out most new free banking apps, looking for the best deals, UI, security, etc. Chime immediately started sending my phone notifications with tons of emojis in them. It felt completely childish and I couldn't believe this was a legitimate company that people would put tons of money into.

ericlewis 5y ago
people weirdly enough really enjoy those, but marketing has gotten out of hand lately.
- TillE 5y ago
  Do they? I mean, even if that's how someone talks to their friends, from some faceless company's mass communication it's at best inauthentic and try-hard.
  - ericlewis 5y ago
    when they were smaller it was more endearing, I agree now that it is too much. edit: and disingenuous at best
  - willcipriano 5y ago
    I am really looking for a Jeeves[0] like demeanor when you have thousands of my dollars. "Yes sir, right away sir." not "Sure bro ;) *eggplant emoji*" [0]https://en.wikipedia.org/wiki/Jeeves_and_Wooster https://en.wikipedia.org/wiki/Jeeves_and_Wooster
    - bazzargh 5y ago
      Except Jeeves would add "...but is sir sure that investing such a large sum in Cousin Eddie's racehorse is wise? You will recall his "sure thing" at the parish tombola." And then later when you lose your shirt, you'd find he'd not actually bet on the horse you asked for, because he'd spoken to Captain Aykroyd's man who'd explained that the fix was in, Greased Lightning had had a plate of porridge to slow him down for breakfast; he'd instead put it all on Dreadnought at 8 to 1, which had won by a length. You know come to think of it that's exactly who I want managing my finances.
sp332 5y ago
I used a (now-defunct) app called Penny and it did this. The app was very useful for budgeting so I just had to look past the emojis.
mkmk 5y ago
Isn’t that just a generational thing? Presumably this is an intentional communication choice designed to appeal to younger users. So, even though it doesn’t match your own preferred communication style, it could actually be seen as a sign of competence in knowing one’s target market and how to best reach them.
- ericlewis 5y ago
  that was indeed our theory too
- hndirect 5y ago
  It's the "How Do You Do Fellow Kids?" meme come to life.
__david__ 5y ago
That seems like an incredibly petty thing to be bothered by. I really hate the idea that companies have to act in some fake capital P Professional way for people to take them seriously. I really don't care if my bank (or whatever) wants to exude personality. It just means they don't have some boring, gatekeeping PR flack in charge…
jklm 5y ago
One working theory is that emojis increase conversion, retention, etc. [1] That being said, the reality likely depends on your product and audience. [1] https://www.leanplum.com/blog/powering-engagement-with-emojis/ https://www.leanplum.com/blog/powering-engagement-with-emoji...
- axaxs 5y ago
  My immediate first thought is...are emoji loving folks worth keeping? Not meant as an insult. But if your retention rate is up 50% with 18 year olds, and down 25% with 30+ers, is that good? My hangup is that it's a bank. As another so eloquently described, I prefer an ultra professional appearance. Money is important, and banking is ultra regulated. I want to feel they are on top of everything. Pizza places all started using emojis in communications to me. And that's ok, it's just pizza. But I don't want my doctor sending me an email with a crab and a skull.

by axaxs 5y ago

ericlewis 5y ago

people weirdly enough really enjoy those, but marketing has gotten out of hand lately.

TillE 5y ago
Do they? I mean, even if that's how someone talks to their friends, from some faceless company's mass communication it's at best inauthentic and try-hard.
- ericlewis 5y ago
  when they were smaller it was more endearing, I agree now that it is too much. edit: and disingenuous at best
- willcipriano 5y ago
  I am really looking for a Jeeves[0] like demeanor when you have thousands of my dollars. "Yes sir, right away sir." not "Sure bro ;) *eggplant emoji*" [0]https://en.wikipedia.org/wiki/Jeeves_and_Wooster https://en.wikipedia.org/wiki/Jeeves_and_Wooster
  - bazzargh 5y ago
    Except Jeeves would add "...but is sir sure that investing such a large sum in Cousin Eddie's racehorse is wise? You will recall his "sure thing" at the parish tombola." And then later when you lose your shirt, you'd find he'd not actually bet on the horse you asked for, because he'd spoken to Captain Aykroyd's man who'd explained that the fix was in, Greased Lightning had had a plate of porridge to slow him down for breakfast; he'd instead put it all on Dreadnought at 8 to 1, which had won by a length. You know come to think of it that's exactly who I want managing my finances.

sp332 5y ago

I used a (now-defunct) app called Penny and it did this. The app was very useful for budgeting so I just had to look past the emojis.

mkmk 5y ago

Isn’t that just a generational thing? Presumably this is an intentional communication choice designed to appeal to younger users. So, even though it doesn’t match your own preferred communication style, it could actually be seen as a sign of competence in knowing one’s target market and how to best reach them.

ericlewis 5y ago
that was indeed our theory too
hndirect 5y ago
It's the "How Do You Do Fellow Kids?" meme come to life.

__david__ 5y ago

That seems like an incredibly petty thing to be bothered by. I really hate the idea that companies have to act in some fake capital P Professional way for people to take them seriously. I really don't care if my bank (or whatever) wants to exude personality. It just means they don't have some boring, gatekeeping PR flack in charge…

jklm 5y ago

One working theory is that emojis increase conversion, retention, etc. [1] That being said, the reality likely depends on your product and audience. [1] https://www.leanplum.com/blog/powering-engagement-with-emojis/ https://www.leanplum.com/blog/powering-engagement-with-emoji...

axaxs 5y ago
My immediate first thought is...are emoji loving folks worth keeping? Not meant as an insult. But if your retention rate is up 50% with 18 year olds, and down 25% with 30+ers, is that good? My hangup is that it's a bank. As another so eloquently described, I prefer an ultra professional appearance. Money is important, and banking is ultra regulated. I want to feel they are on top of everything. Pizza places all started using emojis in communications to me. And that's ok, it's just pizza. But I don't want my doctor sending me an email with a crab and a skull.