Android! Facebook! No NFC! CommBank's Somewhat Confusing Kaching Strategy

The Commonwealth Bank today launched an Android version of its Kaching mobile payment app, and is planning a version for Facebook. The bank is proclaiming Kaching a success (with 150,000 uses a day) and seems intent on making it one of its major platforms, but with no NFC support yet on Android and an oscillating development strategy, there are elements of the product which still seem confusing.

When Kaching first rolled out, it seemed, frankly, rather awkward. One big selling point was the use of near field communications (NFC) but since the iPhone -- the official development target -- didn't support it, customers who wanted it had to pay up extra money for an iCarte to wrap around their phone. As well as requiring extra expense and bulk, reports of faulty cases were rife; the review case that CommBank sent me never worked at all.

Given that, it's perhaps unsurprising that at the Android briefing today the peer-to-peer payment options were lauded as the most used feature of Kaching to date, and a new 'bump' feature to transfer payments between iPhones (using the accelerometer and GPS rather than any direct data transfer) was being highlighted. A future Kaching release will also allow non-bank customers to accept payments through the app, an option CommBank believes will appeal to small businesses.

The Android app looks incredibly like its iPhone counterpart. That's a bit surprising, given that last October CommBank cards GM David Lindberg was adamant that the app would be designed to work well with Android. “Whatever smartphones our customers are using, we will design applications for it," he said at the time. "We will shortly also be launching an Android version of this application. What it won’t be is an iPhone app retro-fitted to Android."

Nine months later, that's exactly what it is. It's a point the bank's own blog entry reinforces: "In the end we’ve tried to make them as close as possible."

"Our users live in a very diverse world," chief marketing office Andy Lark said by way of explanation. "They want a commonality across different devices." Actually, I'd like an app that looks like it was designed for the platform I'm running it on, but I guess you can't please everybody.

The Android app doesn't run on every device out there, but the bank estimates 80 per cent of current users can run it"There will be people upset by that, but we think it's better to have that crisp user experience," Lindberg said.

More disappointing is that it can't use the NFC chip in newer phones, though that comes down to Google not having integrated NFC security code into current Android releases. Without that, the phones can securely receive NFC data, but can't send it.

By the end of the year, CommBank also plans to have a version of Kaching integrated into Facebook, letting you check your balance and send payments to others. Bank officials were quick to stress that users will be able to control whether they announce payments via their Facebook wall, and to emphasise that the product won't launch until they can offer a security guarantee similar to the 100 per cent coverage given with Kaching on mobiles. However, given Facebook's total lack of communication on security matters, even that wouldn't persuade me to use it. What do you think?


Comments

    My facebook use and banking will always be separate.

      I've got a Galaxy S2 4G running 2.3.6 and nope...not available on my device. What a Joke!

    I will leave any bank that integrates with Facebook to the extent that the commonwealth bank is proposing.

    Doesn't work on rooted devices...
    No NFC...
    Already have a Netbank app...

    Useless.

    "Sorry, Commbank Kaching is unable to be supported on this device" (GNexus)

    erm no... it just *isn't* supported...

    NFC doesn't really bother me to be honest.

    I'd prefer to use a bank card for NFC payments and while you can argue that the NFC can be used for person to person transactions I think the bump setup is superior.

    Interesting point about NFC on android unable to transmit securely. So this is why we are not seeing this on kaching?

    Not supported for cyangenmod ROM's either.. Was so looking forward to this app...
    Little disappointed

    What phone did life hacker use to get those screen shots?
    So far I have been unable to actually find a device that is supported.

    Why the hell would I EVER want to broadcast my payments on FB?? "TSH just paid a bill of $xyz to Vodafone". Jeez there's enough inane stuff on my wall already without further clutter - besides the whole data-mining issue.

    Completely baffling that this function would be there in the first place.

      "TSH just paid $100 off his monthly account at 'embarrassing store name here' "

        Or who wants their credit rating on facebook.

      or you could learn how to use facebook and limit what you share and what apps can see/do in relation to your account.

    Wow... This app runs really sluggishly on my Galaxy S2... Should be no excuse for that. And it doesn't look like it was even designed with Android in mind, let alone to work well in Android.
    And I can do everything on netbank and/or the commbank app already. Minus the payments to phone numbers or facebook friends I suppose, but I really can't see myself using those features.

      Yeah, Netbanks mobile page is already pretty damn useful, why complicate things with poorly designed apps.

    No thanks - not that I have a Commbank account, NFC or an iPhone, or for that matter a facebook account (removed). Facebook is abhorrent, one big massive sales pitch and ad network all under the guise of a social network, yuck. Ofcourse they're not the best on security of your data, their revenue depends on it.

    Our users live in a very diverse world,” chief marketing office Andy Lark said by way of explanation. “They want a commonality across different devices.”

    Yeah, for all those people that use an iPhone and an Android device. Because there's so many of them. Android apps that look like iPhone = ewe

    Look at the list of supported android phones:
    http://www.commbank.com.au/mobile/commbank-kaching/what-is-kaching-android.aspx?intcmp=10000369d#AndroidsmartPhones

    ONY 13 phones supported, 11 of them flagship devices. They are calling it 80%.

    I don't see the point of this app. There is nothing in there can't you can't already do (except for email payments). I was under the impression that you could order some sort of case which had nfc built in that would interface with this app. Is that coming soon or was it a dream I had?

    Also the app works on the Galaxy Note.

    Just got on my S3, so happy as was really missing it when switched to Android. Best use I have found for it is when dining out or a friend picks up the bill and you dont have cash on you.. they get a message and security code that you tell them and Kaching, cash goes to their account. I wouldnt link it with my fb account and dont really care about NFC, but just wanted to say have found this app great.. maybe sluggish but you dont spend all day on this app.. 20seconds and get out!!

    I have a HTC One X which is supported, but since it's a rooted device, they have disabled it. Unfortuantly most mobile power users which would take advantage of this app will also root their device. Also no NFC, come on, show me the value of this app above the existing Netbank app.

    Going back to using Google Wallet, at least that works. Thanks but NO THANKS Commbank.

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