ČSOB Smart klí‪č‬ 4+

Apple Watch app

Hi, I appreciate the release of the Apple Watch app in times when companies tend to remove watch apps. I hope it will stay in the developer pipeline. I have three issues now:

1. No notification. I need to find the app and open it in order to confirm payment.

2. Buttons to type the PIN are extremely slow even on Ultra 2.

3. Is the PIN always necessary? AW works as an authenticator already, i.e. it can unlock my Mac when I wear it unlocked.

Keep up with the good work, thanks!

Developer Response ,

Hello, thank you for your review. We have prepared answers to your comments.
1. AW notifications work. I've tried that. It's just that if the iPhone is unlocked, the notification only shows up on the iPhone, and the notification no longer shows up on AW. This is unfortunately controlled by the system and we have no way to control this behavior.
2. I understand and yes, those buttons are small. We'll be doing some more minor UX tweaks in the next release, so we'll take a look at that PIN keyboard as well.
3. There is unfortunately strangely no biometrics on AW that can be used for authorization by law. AW know they are on some live hand, but who that hand belongs to they don't know for sure. Yes they could measure his vital signs and from that they could conclude that he is the right person. But those sensors don't work like that, they are not certified as Strong Client Authentication (SCA) and hence cannot be used as a biometric sensor with biometric data. And even Apple doesn't treat them that way yet. There is no app on AW that allows authorization of financial transactions just by being AW on the hand. Hence the need to use a PIN for confirmation on the watch. This follows from the PSD2 regulation.
Have a nice day.

Please fix this

Before the last update, the app automatically opened when there was any request to be confirmed. Since the update, I have to manually open tha app and then confirm.

So in order to log in my CSOB online banking on my MacBook, I need to open the website, use touch ID on my Mac to fill in the credentials and then reach for my phone, find the Smart klic app, open it, use FaceID to confirm the request and then I can finally proceed to my online banking.

I had no complaints about the app whatsoever before the update but now it bothers me a little. Please fix this and I will gladky improve tha rating, thank you!

Forced usage

I was forced to use this application because I was unable to access my bank account almost for month. According to bank call center I have 2 options: 1) install and use application. 2) transfer account to another bank. So the aplication can’t get better than 1 star. Let imagine that you are 70 years old (not my case) and you have to use something designed by 30 year old manager without any experience. Thank you.