We live in a complicated and noisy world. The financial industry contributes to this noise. As a modern technology company in the financial industry we are aware that we are a part of this world. So we asked ourselves an important question: Where does Numbrs stand? Our answer comes in 5 guidelines we have defined for company, our product and our brand.
1. One app for all your bank accounts
Every second German has at least four bank accounts at the same time. They are multibanking. This trend is increasing from year to year. The most common types of accounts include credit card accounts, savings accounts and salary accounts.
But how do you know how much money exactly is in one account and how much in the other? Can I still make a big purchase with my debit card? Or should I debit the credit card account at the other bank? How good or bad is my current overall financial status?
Instead of logging in to different banking apps with different logins to get an overview of your overall financial status or to transfer money across accounts, users can manage all their accounts, cards and credits in real time with the multibanking app Numbrs - no matter from which bank. This is our foundation: Multibanking.
2. Black on white
The name "Numbrs" is a deliberate choice. On a basic level finances are numbers. Or as we say "Numbrs". With the multibanking app Numbrs the user can make his own decisions about his finances. The basis for any financial decision should be the numbers, the facts. Not their own interpretation, or even the opinion of a third party, a consultant, or a bank.
In order to express this conviction, we follow the principle "black on white" in the design of the app. The numbers and words are black, the backgrounds white. The use of the well-known German phrase "black on white" refers to the clarity and binding nature of black ink on white paper.
Banks are always in an unavoidable conflict of interest. As providers of numerous financial products, they naturally want to sell them to bank customers. Customers who give their bank insight into all their accounts and finances can be influenced. The bank could, for example, try to make an unreasonable financial profit or avoid a financial loss at the expense of the customer. For this reason, we believe that multibanking should never be done through your bank.
Numbrs is not a bank, it is not a comparison portal and it does not offer its own financial products. We are 100% bank independent and neutral. This enables us to support users impartially, independent of banks and without any conflict of interest in the execution of their banking transactions. As a Swiss company in particular, we are committed to neutrality in accordance with tradition.
We want to create clarity. Therefore, it is crucial to reduce the design of the app to the essentials. We define design not just as a question of aesthetics, but as questioning its impact on the individual, society and the world in general. We will always pursue a well thought-out design for our company and our product.
Products that serve a purpose have a tool-like character. Therefore, the Numbrs app must be easy to use and claim as little attention as possible for itself. We do not accept intrusive advertisements, flashy animations, trendy colours or nonsensical texts. At Numbrs we try to make the design of our app as simple, neutral and inconspicuous as possible. Our design should explain itself.
5. Referral Feature
Our goal is to create the best multi-banking app and to help Numbrs users share their enthusiasm and experience with others. For this reason, our advertising activities are focused exclusively on a referral programme. The foundation for any successful referral programme is a very well-functioning product that fully satisfies its user. Only satisfied users will recommend a product to their friends, acquaintances or family. To ensure that our referral programme is directed especially at actual Numbrs users, you can only participate from inside the app and only as an active user.
Instead of investing our advertising budget on the major platforms such as Facebook or Google, the referral program allows us to directly involve our loyal and dedicated users and reward their enthusiasm for our app. We are all the more pleased that our referral programme is already being used extensively after a short time and has led to sustained growth.
Thanks to the recommendation programme and the satisfaction of our users, Numbrs is the most used multibanking app in Germany and hopefully soon in the UK.