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by untog 4082 days ago
and I'll add that they are too unfun

Maybe I'm alone, but I don't have a huge problem with my bank being "unfun".

6 comments

Boring and efficient is fine. Boring and inefficient is a grievous sin that makes people hate you forever. See also the DMV/RMV.
I don't know if this is unique to NYC or something, but the last time I had to go to the DMV, I scheduled my appointment online ahead of time, walked in 5 minutes before the scheduled appointment, renewed my license, and walked out in about 20 minutes total.

Their site was a little ugly, the clerk who assisted me was a touch curt, but overall the worst part of it was my apprehension about going to the DMV.

I know my situation was simple, but I thought that was the big objection to the DMV: simple things are hard. The whole thing was pretty easy.

Whew...glad it went well for you, but:

A week ago I moved and had to register my car in California. I spent, all told, twelve hours waiting in line. I could have gotten an appointment, to be sure...in two weeks.

Huh? You have six months to register your car in CA. Why not wait two weeks?

Also, some AAA offices may be able to register your car with the DMV.

Hmm...I was under the impression it was ten days. Perhaps I worried needlessly.
I've had a similar experience in NYC. Total time for a license was only 10 minutes—and I'd been dreading the hours I'd have to spend there.

Passports, on the other hand...

For something like a DMV, it is important that a live human being personally verify individuals and documents in-person. This is inefficient by design, but quite necessary.

Automation of things such as this with current technology makes something as important as vehicle licensing and government-issued identification (along with everything that entails) a very risky and dangerous thing indeed.

Okay, so going to the DMV is boring and even infuriating. But, for now, we must have human beings asking all of the questions, administering all of the tests, looking at every person in the face, double and triple-checking things and so on.

Yet in other countries similar processes are no where near as painful, so the claim that "having human beings involved necessarily makes things painfully in efficient" is not very plausible.

For reasons I don't understand American government systems tend to be very difficult and painful to deal with. This not unique to the US, but in the developed world most other nations have seen improvements since the '70's. The US, not so much.

Getting a driver's license or health card in Canada used to be pretty painful. Today it's very streamlined. You still have to deal with people face-to-face, but the process has been designed to be quick and efficient.

In my experience the Canada DMV has incredibly hot young women working at the DMV. Back home, it's Patty and Selma.
I'm in the UK, and "going to the DMV" is one of those US rituals I don't understand. We have one licensing office and interact with it entirely by post or Internet. Photo authentication can be done off the passport photo system.

Passport photo authentication is effectively crowdsourced, with a very British requirement that the person authenticating the photo be suitably middle class: https://www.gov.uk/countersigning-passport-applications

The california dmv now has touch screen testing in at least some of its offices - no manual administering of tests required. https://www.dmv.ca.gov/portal/dmv/detail/pubs/newsrel/newsre...
I want my bank to give me quirky little compliments like "you look nice today" like Slack every time I walk in.
Wells Fargo ATMs will wish you a happy birthday and congratulate you on X years with Wells Fargo. It's a little creepy, but if you like fun...
1/2 of ATM fees should buy you a lottery ticket every time you get hit for $2... it'd placate the masses!
WaMu. Maybe they weren't perfect, but one of the things we lost when Chase ate WaMu was their "quirkyness." They always seemed happy and friendly in my branch. Now? Zombies.
No need for quotation marks, quirkiness is a real word.
Sometimes slow is forgivable if things are fun. For example, I enjoy walking to the farmers' market, though it would be faster to order food for delivery. But I don't enjoy driving, parking, and picking packaged goods from a warehouse (Target), so I prefer to have my paper towels delivered.
You're not alone, I want my bank to be boring and I want almost no interaction with them. There's a bank in the United Kingdom called Metrobank which promised to be different to existing high-street banks, they managed to get me through the door out of interest but as soon as I saw one of the members of staff dressed as Henry VIII I made a hasty exit out of the other door. They also seem more interested in dogs than their customers[0].

https://www.metrobankonline.co.uk/Discover-Metro-Bank/DogsRu...

I haven't actually entered a bank in years thanks in large part to software development. I think it's kind of 'fun' to take picture of a check and deposit it.
I'm happy that I only ever had to deal with cheques once in my life.
Yeah, tell me about it. I've never seen a ping pong table or a razor scooter at my bank. It's definitely ripe for disruption.
Making managing your funds 'fun' as in interesting, and addictive is a huge win in a place where most people are so financially illiterate they are afraid of their own money-management.