Does this fit on your smartphone?

iphone6

iphone6

For a really well crafted blog , it’s hard to beat this little beauty

Benedict Evans explains how in going for separate parts of the market, Apple and Samsung have carved up the global smartphone market and knocking out mighty names like Nokia and Blackberry in a few short years.

Which leaves us with a very simple choice; chavvy Samsung, aspirant I-phone. I-phone makes lots of profit and Galaxy grabs lots of market share.

All very interesting for the techno-nut but what does this mean for workplace pensions (such an obvious question)?

It means ladies and gentlemen that we shouldn’t have a lot to worry about. People will , for the foreseeable future, want to see information either on a Microsoft or Apple system delivered on a reasonably small or slightly bigger screen. Two  operating systems going head to head -sounds familiar? – so there’s  a little duplication but hardly “version proliferation”.

You’d have thought that pension communicators would have two things on their minds – getting their stuff onto iPhones and getting their stuff onto Galaxies.

This does not appear to be the case

Despite the fact that nobody gets papers out of briefcases, the pensions industry continues to regard the A4 page as the ideal medium for transmitting its message. Sod the fact that our customers have no interest in what flops through the letterbox unless the bill’s gone red, we will continue to send out statements and information packs and advertisements by surface mail as if it was still 2003.

L&G and other mass market pension providers are now reporting that despite the absence of “pension apps”, insistent smartphoners (eg most people but especially the young) are opting in and out and transacting WITH THEIR THUMBS!

If it does not fit on an iPhone or galaxy screen it isn’t worth a f*#k. That is the simple message to the communicators of our accumulating pension wealth.

I say this with a chuckle , because I type on a chunky old lap-top. I’m old and have poor eyes and really can’t manage those small keys. That’s my excuse and I’m sticking to it.

So what’s yours?

Galaxy 4

Galaxy 4

About henry tapper

Founder of the Pension PlayPen, Director of First Actuarial, partner of Stella, father of Olly . I am the Pension Plowman
This entry was posted in auto-enrolment, pensions, social media and tagged , , , , , , , . Bookmark the permalink.

4 Responses to Does this fit on your smartphone?

  1. David Crabtree says:

    I don’t do anything serious on my iPhone. Everything of any importance is done on a decent interface such as a real keyboard, with a real pointer (mouse). Things that are clear, responsive, not prone to mistakes etc.

    The amount of times I’ve missed a button, pressed the wrong thing, found things fiddly, unresponsive, or just plain horrible to use, on a damn ‘smart’ phone is beyond count.

    Over the five years I’ve had a smart phone the only thing better on the phone than my PC is the Met Office weather app I think. The rest of the time I try avoid special case apps/websites just for my iPhone as I find them worse than just bobbing to a laptop/PC and doing the same task in a fraction of the time.

    We really are odd creatures. We used to want the smallest phone possible, and the biggest TV or PC screen going.
    Yet today we want the smallest screen to do jobs we did on a PC, on the biggest phone we can find.

    It’s another passing fad in my view. What we will end up with I’m not sure, but I can’t see myself struggling along with a tiny screen/touch screen interface for important things.

    The very most any developer should do is simply make good HTML5 web content that scales appropriately to different devices, though even that can leave you wanting to smash your iPhone in frustration when you realise how hard it is to use vs a PC/mouse/keyboard combo (ie, filling in an insurance quote page)

    Personally I’d prefer pension communicators ignore these transient devices, they are expensive to develop for, change from variant to variant etc.
    A good solid web-site made in HTML5 that scales back for older browsers and smaller screens should be enough.
    Any more is simply throwing members money away in my view. As a person facing a bleak future for my pension the last thing I want is to know my provider spent £15,000 more just so I could have an iPhone specific app to tell me something I can read on an A4 piece of paper or on the conventional website!

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