Sunday 7 June 2015

Enhanced User Experience of Airtel Money adds to Transaction Risk

I am quite happy to note that UX (User Experience) of Airtel Money Mobile App has now very smooth and easy to use.

The on-boarding process is now seamless; As well as forgot MPIN is very easy. You press forgot MPIN, and an OTP (One Time Password) is sent to your mobile number which is then intercepted by the App, and you are prompted to change the MPIN. That's it.

Compared to the previous tedious process where if a user forgot the MPIN, they had to go through hoops and loops of calling the call center, wait in call queue, answer questions about your identification and then the password reset OTP was sent. By doing away with this step, Airtel saves money on call center overhead, while user is spared the torture.

That's good win-win deal right? Not really, if you consider this scenario. Someone stole your mobile, starts your Airtel Money App, resents the MPIN (see the previous paragraph on how to reset) and expends the money on buying some stuff from the local shops.

So, to avoid this scenario, lock your mobile, enable anti theft and alert Airtel to block your SIM as soon as you realize you lost your phone.