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Positive Outcome Using Application, Suggestion for vendors, Negative…
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Suggestion for vendors
app couldve been more faster with the
transaction details (P1, Q6)
by email is fine atau message or call (P2, Q12)
ditambah ciri-ciri keselamatan (P16, Q6)
create a website for the user to complaints about the problem they encountered and how to fix them (P3, Q12)
built in supaya sanang to contact dri app sja (P4, Q12)
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directly call the user (P9, Q12)
customer support channels such as email, phone support, or an in-app feedback system. (P11, Q12)
menggunakan pop up message. (P16, Q12)
by chatting with one of the agents (P17, Q12)
an agent function integrated within the application to connect with the agents for any inquires (P18, Q12)
customer support in the app (P19, Q12)
giving a discount coupon or giving free giveaways (P1, Q13)
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loyalty program (P6, Q13)
give lucky draw or giveaway to one of the users randomly each month (P8, Q13)
giving a frequent user a free delivery for a period of time (P9, Q13)
lucky draw or free money every month (P9, Q13)
offering loyalty rewards (P11, Q13)
Give points & when you reach a certain points there will be a prizes given. (P12, Q13)
promotional online vouchers for every anniversary that online users can redeem in Brunei (P13, Q13)
rewards for the customer that has been using the app for long period of time (P14, Q13)
increase the discount rate for BIBD debit card. (P17, Q13)
benefits when using their data or giving free data maybe (P19, Q13)
give space for recommendation (P20, Q13)
notify the users if another phone is logging in into their accounts (P1, Q15)
add biometric identification such as face id or fingerprints (P5, Q15)
timed encryption key 🔑 (P6, Q15)
vendors to continually assess and update their security measures to stay ahead of emerging threats. (P11, Q15)
add Face ID feature (P13, Q15)
add more security to secure clients information (P14, Q15)
using the F2A, one-time password/pin, biometrics and the time-out login (P15, Q15)
menggunakan cap jari (P16, Q15)
add one time password for every time a person log in (P17, Q15)
more features to tighten the security (P18, Q15)
make the app more responsive (P1, Q19)
make it more fun and appealing (P2, Q19)
the design i guess sal mcm old school msih (P3, Q19)
enhance the app security, improve the visual design, add in more useful features (P5, Q19)
User friendly interface (P10, Q19)
implement redundancy in server infrastructure to minimize downtime in case of server failures (P11, Q19)
app can add the name of the person that own the acc, so no wrong transaction was made (P12, Q19)
Faster loading time (P13, Q19)
create a new design that is simple yet organized and pleasing to the eyes (P14, Q19)
add new features such as powerful search or analyse user preference (P15, Q19)
better support that can be address user issues as quickly as possible (P15, Q19)
make it more appealing in terms of their appearance. (P17, Q19)
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Reason user lose trust
scammer dapat menjejaki kata laluan dan memalsukan identiti (P16, Q6)
complain dari orang (P4, Q5)
the security is still weak as users account can still be hijacked. (P17, Q11)
I found it difficult during that time and a bit lagging (P8, Q4)
I heard its been hacked and most people recommend me to uninstall it (P10,Q4)
limited utility, slow responding time, lack of updates and improvements (P11, Q4)
it keep crashing and it has lack of accessibility (P15, Q4)
at times does not function properly. Some of the functions are quite buggy (P18, Q4)
it usually said it is close but actually it is open (P19, Q4)
some people could illegally edited the transaction and scam people and its a hassle to log in again just to check whether the money get into our account yet or not (P5, Q5)
Banyak news about people kana hack (P6, Q5)
security of the app may not be secure due to the bank may not patch the application properly (P7, Q5)
log out quickly (P13, Q5)
There might be possibilities of data breach which would affect our personal details (P14, Q5)
aplikasi ini jarang dikemaskini selama saya menggunakannya (P16, Q5)
users account have been hacked (P17, Q5)
duit hilang dalam akaun mereka, vendor tidak akan bertanggungjawab (P16, Q13)
kalau ada issue yang consistent yang batah durang fix (P2, Q14)
too much complain or tekana benda yg inda baik contoh hilang duit dari akaun sendiri (P4, Q14)
or I experienced massive error macam kna hack or something (P6, Q14)
there tons of issues happened in the community about the app, due to their money being stolen without the users (P7, Q14)
when something crucially bad happens such as hacking or theft (P8, Q14)
when I do not really have anything that catches my attention or interest anymore (P9, Q14)
other bank that offer better interest, security and reliability (P10, Q14)
if the app consistently experiences technical issues, security concerns, or performance problems that impact my ability to use it effectively (P11, Q14)
When the app is really not useful or not as trusty app anymore (P15, Q14)
so many complaints about it. (P17, Q14)
satu issue yang basar (P20, Q14)
always be a back door for hacker (P10, Q15)
someone can still hack your acc (P12, Q15)
how dangerous and advance cyberattack nowadays (P15, Q15)
people can breach the two factor authentication (P18, Q15)
I heard someone lost their money in their acc, there might be hacker. (P12, Q16)
risk of keylogging (P13, Q16)
I heard problems with the technical issuenya, usin trabang, hilangkan (P20, Q17)
if the users cant use it (P1, Q18)
Functionality
Design
eyecatching and informative (P9, Q6)
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user friendly the application (P17, Q6)
well design and user friendly. (P11,Q6)
Features and look is satisfactory. Simple interface, nda confusing 👍🏼 (P6, Q6)
app is simple and understandable (P14, Q6)
the app feature is good and responsive (P3, Q6)
very simple, easy to interact with the features. (P15, Q6)
very good response, it easier to use due to its user friendly UI.(P18, Q6)
better susunan interface (P6, Q11)
Accessible
Helps me to make any payment easily and conveniently (P2, Q3)
the application is able to perform all the functions that I currently need (P18, Q19)
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use the app with ease with no issues. (P13, Q18)
our life easier and convenient in daily basis (P3, Q18)
interface, it simple and easy to navigate. (P11,Q6)
very easy to use (P19, Q6)
very easy to use (P2, Q6)
Useful
the app is very useful (P9, Q6)
easy usability, simple (P15, Q5)
faster and efficient (P7, Q18)
safe and reliable (P15, Q18)
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it works just fine (P5, Q6)
Straightforward
transaction that you can look at (P12, Q5)
Sanang digunakan that apps nya atu straight forward.(P20, Q6)
the application design is extremely straightforward. (P17, Q6)
quite simple and direct.
easy even for a first timer. (P13, Q6)
user friendly, sanang untuk digunakan and easy to read (P4, Q6)
Engagement
call them using their call centre (P19, Q12)
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better customer support (P6, Q18)
reach me through a phone call,
trying to solve the problem if possible (P8, Q12)
Technical issue
Latency
lagging kali, kadang2 loading saja (P20, Q7)
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it said done but it balum transfer psl lagging huhu☹ (P6, Q9)
during internet connectivity the loading time takes too long to load close to unusable (P18, Q9)
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the condition is bad the page keeps on loading for 10-15mins (P1, Q9)
it keeps on loading (P12, Q9)
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sometimes lagging but depends arah internet (P3, Q8)
application takes time to response if the internet connection is slow. (P17, Q8)
kelambatan atu kalau ada drg punya technical issues sja sendiri (P20, Q8)
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Crash
whole app just crashed (P13, Q7)
loading batah then suddenly crash (P4, Q8)
it did crash because of their system is down. (P15, Q7)
the system also will stuck and crash (P13, Q8)
Cannot work offline
I don't think the application works offline or without the internet connection (P19, Q9)
the application won't work without internet connection (P17, Q9)
0 for offline and 1 for low internet connectivity (P13, Q9)
Unstable network
the internet atu not stable, cannot connect or go do the bibd (P3, Q7)
cant even access to my bank account if the internet is slow (P10, Q9)
Functionality
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Intuitive Interface
Very easy to use (P1, BIBD)
Account services to check balance,
Confusing payment section such as payment service, digital payment, and purchase (P2, BIBD)
it is easy to use (P3, BIBD)
A bit laggy (P4, GoMamam)
Good and responsive (P5, GoMamam)
Easy to access but in home feature such as choosing which item type is unnoticeable whether it change or not (P6, GoMamam)
The wallet feature stuck and I have to manually go back to home in the phone because the exit button does not work. (P7, MyDST)
So far so good (P8, MyDST)
Satisfactory as sections are well organized and easy to use (P9, MyDST)
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Functionality
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Intuitive Interface
Very easy to use (P1, BIBD)
Account services to check balance,
Confusing payment section such as payment service, digital payment, and purchase (P2, BIBD)
it is easy to use (P3, BIBD)
A bit laggy (P4, GoMamam)
Good and responsive (P5, GoMamam)
Easy to access but in home feature such as choosing which item type is unnoticeable whether it change or not (P6, GoMamam)
The wallet feature stuck and I have to manually go back to home in the phone because the exit button does not work. (P7, MyDST)
So far so good (P8, MyDST)
Satisfactory as sections are well organized and easy to use (P9, MyDST)
Slow loading when first login into the home page. (P10, MyDST)
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Features to be added
Functionality
Design improvement
the design i guess sal mcm old school msih (P3, Q19)
make it more fun and appealing (P2, Q19)
make it more appealing in terms of their appearance. (P17, Q19)
create a new design that is simple yet organized and pleasing to the eyes (P14, Q19)
User friendly interface (P10, Q19)
add new features such as powerful search or analyse user preference (P15, Q19)
better support that can be address user issues as quickly as possible (P15, Q19)
app can add the name of the person that own the acc, so no wrong transaction was made (P12, Q19)
give space for recommendation (P20, Q13)
Application Security
Enough Security Feature
security features implement, its all good. (P19, Q15)
employs robust security measures (P11, Q5)
log in ada securitynya mcm two factor, ada biometric, cukup untuk login (P4, Q15)
security features are enough to protect our data when it got stolen (P14, Q15)
security features, it is enough (P9, Q15)
it is enough (security) (P8,Q15)
two factor authentication for log in, to make it extra secure, good enough as a security feature (P18, Q15)
BIBD Mobile I think mobile password, as a security, atu mencukupi (P20, Q15)
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Updating Application
getting better every update (P10, Q11)
BIBD Online are mostly bug fixes (P7, Q11)
over time the app is improving.(P13, Q11)
it’s a good when the application received a new update. (P18, Q11)
updates positively impact the app's reliability by addressing known issues, enhancing security, introducing new features that enhance the overall user experience. (P11, Q11)
tani update ia akan begarak pun laju pasal dgn update baru. (P20, Q11)
Strong & Secure Security
and I believe in term of security it is monitored. (P15, Q5)
a very good security for my data. (P19, Q16)
strong security (P10, Q18)
Strong track record in the Brunei banking industry (P11, Q5)
The data of the person should be kept confidential & not weak. (P12, Q18)
Offers a banking service to the customer which security will be highest risk. Never had a problem when using it. (P18, Q5)
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Security
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Security Issue
kadang telogout sendiri masa buat transferring and kadang cannot log in (P2, Q7)
my biometrics authentication cant detect my face (P10, Q7)
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Comments:
Can delete account from the app itself.
Guides only and no FAQ and in app chat support (P6, GoMamam)
Can send the question form through need help feature in the application (P7, MyDST)
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Upload inquires (P10, MyDST)
Technical Issues
Latency
I found it difficult during that time and a bit lagging (P8, Q4)
at times does not function properly. Some of the functions are quite buggy (P18, Q4)
if the app consistently experiences technical issues, security concerns, or performance problems that impact my ability to use it effectively (P11, Q14)
it usually said it is close but actually it is open (P19, Q4)
Lack of updates
limited utility, slow responding time, lack of updates and improvements (P11, Q4)
aplikasi ini jarang dikemaskini selama saya menggunakannya (P16, Q5)
Hacking Issues
there tons of issues happened in the community about the app, due to their money being stolen without the users (P7, Q14)
I heard problems with the technical issuenya, usin trabang, hilangkan (P20, Q17)
Crash
it keep crashing and it has lack of accessibility (P15, Q4)
Technical Issue
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Errors occuring
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More than 3 times when checking the menu in the restaurant that want to order. (P4, GoMamam)
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Everytime i check the wallet feature (P7, MyDST)
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1 – Close Button in wallet section not working (P9, MyDST)
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Performance
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Navigate through the app
1min - 2mins,
Transfer - 2 times a day. (40secs)
Top-up credit mobile - once a month. (1min)
Top-up electric - twice a month, (1min)
Checking the money available in account - 3 times a week. (2mins) [P1, BIBD]
a few second,
Transfer - twice a week (1min)
Top up mobile credit - once a month (1 min)
Checking balance - twice a week (1min) [P2, BIBD]
1min-2mins,
Transfer - 3 times a day (50secs),
Top-up credit mobile - once a month (2mins),
Top-up electric - once a month. (2mins),
Checking the money balance - 3 times a week (1min) [P3, BIBD]
Choosing restaurant (1min),
Order (1min) [P4, GoMamam]
choosing restaurant (1 - 2 mins) [P5, GoMamam]
Ordering - within 3min [P6, GoMamam]
1min-2mins,
Login - More than 3 times a month (31secs)
Recharge - Twice a month (1min)
Recharge MBB - Twice a month (1min) [P7, MyDST]
Buying easi – 2 mins [P8, MyDST]
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Technical Issue
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Errors occuring
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More than 3 times when checking the menu in the restaurant that want to order. (P4, GoMamam)
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Everytime i check the wallet feature (P7, MyDST)
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1 – Close Button in wallet section not working (P9, MyDST)
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Performance
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Navigate through the app
1min - 2mins,
Transfer - 2 times a day. (40secs)
Top-up credit mobile - once a month. (1min)
Top-up electric - twice a month, (1min)
Checking the money available in account - 3 times a week. (2mins) [P1, BIBD]
a few second,
Transfer - twice a week (1min)
Top up mobile credit - once a month (1 min)
Checking balance - twice a week (1min) [P2, BIBD]
1min-2mins,
Transfer - 3 times a day (50secs),
Top-up credit mobile - once a month (2mins),
Top-up electric - once a month. (2mins),
Checking the money balance - 3 times a week (1min) [P3, BIBD]
Choosing restaurant (1min),
Order (1min) [P4, GoMamam]
choosing restaurant (1 - 2 mins) [P5, GoMamam]
Ordering - within 3min [P6, GoMamam]
1min-2mins,
Login - More than 3 times a month (31secs)
Recharge - Twice a month (1min)
Recharge MBB - Twice a month (1min) [P7, MyDST]
Buying easi – 2 mins [P8, MyDST]
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Buy top-up (1min)
buy mbb (1min)
[P10, MyDST]
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Security to improve
login method
timed encryption key 🔑 (P6, Q15)
add Face ID feature (P13, Q15)
add more security to secure clients information (P14, Q15)
using the F2A, one-time password/pin, biometrics and the time-out login (P15, Q15)
menggunakan cap jari (P16, Q15)
add one time password for every time a person log in (P17, Q15)
add biometric identification such as face id or fingerprints (P5, Q15)
General security
more features to tighten the security (P18, Q15)
vendors to continually assess and update their security measures to stay ahead of emerging threats. (P11, Q15)
ditambah ciri-ciri keselamatan (P16, Q6)
Security alert
notify the users if another phone is logging in into their accounts (P1, Q15)
Security
Not confident
people can breach the two factor authentication (P18, Q15)
someone can still hack your acc (P12, Q15)
the security is still weak as users account can still be hijacked. (P17, Q11)
There might be possibilities of data breach which would affect our personal details (P14, Q5)
always be a back door for hacker (P10, Q15)
risk of keylogging (P13, Q16)
or I experienced massive error macam kna hack or something (P6, Q14)
when something crucially bad happens such as hacking or theft (P8, Q14)
I heard its been hacked and most people recommend me to uninstall it (P10,Q4)
I heard someone lost their money in their acc, there might be hacker. (P12, Q16)
Banyak news about people kana hack (P6, Q5)
how dangerous and advance cyberattack nowadays (P15, Q15)
log out quickly (P13, Q5)
Security Issue
users account have been hacked (P17, Q5)
security of the app may not be secure due to the bank may not patch the application properly (P7, Q5)
scammer dapat menjejaki kata laluan dan memalsukan identiti (P16, Q6)
Security Alert
some people could illegally edited the transaction and scam people and its a hassle to log in again just to check whether the money get into our account yet or not (P5, Q5)
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Performance
Response Time
great response time (P5, Q8)
very responsive and good load time kali (P6, Q8)
The app's responsive and loading time are generally good. (P11, Q8)
responsive of the app is very good (P19, Q8)
I can perform essential tasks without interruption. (P11, Q18)
very responsive application (P19, Q6)
Battery Drain
never had the problem of battery drain (P18, Q10)
haven't experienced any significant issues related to battery drain (P11, Q10)
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contact support
First party contact
create a website for the user to complaints about the problem they encountered and how to fix them (P3, Q12)
built in supaya sanang to contact dri app sja (P4, Q12)
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menggunakan pop up message. (P16, Q12)
by chatting with one of the agents (P17, Q12)
customer support in the app (P19, Q12)
an agent function integrated within the application to connect with the agents for any inquires (P18, Q12)
3rd party contact
by email is fine atau message or call (P2, Q12)
directly call the user (P9, Q12)
Show of appreciation
Giveaway
increase the discount rate for BIBD debit card. (P17, Q13)
promotional online vouchers for every anniversary that online users can redeem in Brunei (P13, Q13)
lucky draw or free money every month (P9, Q13)
give lucky draw or giveaway to one of the users randomly each month (P8, Q13)
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giving a discount coupon or giving free giveaways (P1, Q13)
benefits when using their data or giving free data maybe (P19, Q13)
Loyalty Program
Give points & when you reach a certain points there will be a prizes given. (P12, Q13)
offering loyalty rewards (P11, Q13)
giving a frequent user a free delivery for a period of time (P9, Q13)
loyalty program (P6, Q13)
rewards for the customer that has been using the app for long period of time (P14, Q13)
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