Leave a legacy.

Streamline phone purchase process

By: endorphin | 29-11-2015 11:54

Following on from the rush of phone purchases due to the Black Friday offers there's been a spate of reports where people have had to await further checks to be done by Ratesetter. The problem then is that once the checks have been carried out and their loan application approved the phone they were interested in is now out of stock.

This also happens, less frequently, outside of Black Friday.

Even if the phone is still in stock the member then has to go through the order process again.

I suggest a couple of changes to this process:

  • Reserve the phone for the member whilst Ratesetter performs its extended checks, this prevents the frustration and anguish of having the phone go out of stock in the interim. Following on from this...
     
  • Automatically complete the order when Ratesetter approves the loan thus streamlining the process for the member and making their experience less of an ordeal

UPDATED 3/8/17 to add harrrrrry's suggestions (for more details please see his comment below):

I think as a matter of topmost priority, giffgaff urgently needs to fully review the phone ordering process and come up with a new method which, where a loan requires approval:

  • stores all necessary information from the original application, encrypted on the server and with no reliance on cookies or browser storage, until at least 7 days after approval
  • provisionally reserves the phone until at least 24 hours after approval
  • on approval, emails a precise link to applicants, taking them straight to an order confirmation page.
  • through URL parameters the confirmation page should already know the correct username (and should use it even if another user was logged in). It should then require only the user's password to retrieve and display the order information and payment terms. There should be no requirement to use the same browser or device to display this information.
  • apart from the password, the user should not be required to re-enter any previously entered information
  • minor amendments (eg change of phone colour) should be offered, subject to stock availability at that time
  • user can instead select a different phone up to the value of the approval, without having to be reapproved
  • user should not be able to change information that might affect security or approval, such as name, delivery address or payment card (but the last 4 digits of the payment card should be displayed to confirm the card to be charged
  • if the user wishes to proceed with the order, then a single click on an order now button should be sufficient.

Comments

by: harrrrrry
on: 02-08-2017 20:03

Copied from https://community.giffgaff.com/t5/Contribute/Unacceptable-Business-Method/m-p/20657330#M506335

Giffgaff has plenty of improvable features, but the phone loan approval process is probably one of the silliest.

No intelligent company implements a system that requires a person to enter the same information twice. But it is made worse by the continual stream of reports that even when people perform this totally unnecessary step they often go through it several times without succeeding in finally placing the order. Sometimes while doing this, the phone goes out of stock.

I think as a matter of topmost priority, giffgaff urgently needs to fully review the phone ordering process and come up with a new method which, where a loan requires approval:

  • stores all necessary information from the original application, encrypted on the server and with no reliance on cookies or browser storage, until at least 7 days after approval
  • provisionally reserves the phone until at least 24 hours after approval
  • on approval, emails a precise link to applicants, taking them straight to an order confirmation page.
  • through URL parameters the confirmation page should already know the correct username (and should use it even if another user was logged in). It should then require only the user's password to retrieve and display the order information and payment terms. There should be no requirement to use the same browser or device to display this information.
  • apart from the password, the user should not be required to re-enter any previously entered information
  • minor amendments (eg change of phone colour) should be offered, subject to stock availability at that time
  • user can instead select a different phone up to the value of the approval, without having to be reapproved
  • user should not be able to change information that might affect security or approval, such as name, delivery address or payment card (but the last 4 digits of the payment card should be displayed to confirm the card to be charged
  • if the user wishes to proceed with the order, then a single click on an order now button should be sufficient.

I think this would resolve a lot of the present dissatisfaction and misoperation with the ordering process.

I'm not sure exactly whose camp this belongs in, but perhaps @gadgetchamp and @gary_1989 could pass it on to whoever needs to look into it and confirm it here.

by: bertiebat
on: 02-08-2017 20:15

So pleased you have included such a comprehensive set of how the whole process would best work and I really hope that this whole idea is now going to be reviewed sooner rather than later. I had already added my support to this idea.

by: nicknick1967
on: 09-10-2017 18:05

think its a great thing

by: kubixrubix
on: 24-09-2017 20:03

yes

by: joel_b_street
on: 22-09-2017 15:30

Great idea.

by: garys2309
on: 21-09-2017 08:51

good

by: bazuk
on: 18-09-2017 20:39

Great idea, i can not wait to try it on my desktop

by: dest
on: 14-09-2017 12:42

Great idea

by: mcc13087554
on: 13-09-2017 15:25

great idea

by: leshin
on: 11-09-2017 15:31

great post

by: cameronj
on: 27-08-2017 13:24

much easier