Spend time to write down all your monthly spending. Compare to your current income. If you find a negative imbalance, you had better downsize your outcome.Understand the difference between “want” and “need”. Stop having dinner out at fancy restaurants, buying designed clothings and  entertaining at movie theaters. Inmagine, you, stay at your little cozy home, cook for yourself, enjoy your meal and later, lie on the couch watching movie. See? Convenient. Inexpensive. Relaxing. And trust me, without designed clothings, you still look beautiful in your normal outfit the next day at work.

Financial services sites are absolutely competitive. They are really trying to drive people online. The self-service model is being taken seriously so they want to make sure their sites are available, responsive and allow users to do as many things as possible.

Though, many have shown an overall poor performance. The top reasons for failure were as follows: company websites make browsing too difficult; content missing, repeated and

poorly worded; and site search doesn’t work for typical tasks.

Here are three factors for a successful online financial service site which keeps users engaged and displays great use of technology while still delivers company’s messages

clearly and effectively:

  • Customer experience, which includes the impression the homepage and overall design style give the customers, their satisfaction when they interact with the site and perform tasks.
  • Best practices, such as ease of use, quality, availability and security – site managers must be compliant with data laws requiring them to protect customer information and the integrity of customer accounts.
  • Service-level, which looks at responsiveness and reliability of websites – scores them on how quickly they respond to user commands and such factors as average downtime.

Financial services must tie these three factors together – customer experience, best practices and reliability/responsiveness – to have an effective web presence. They can’t go hard into one particular area and ignore the others. They have to understand what’s available versus their competitors, what consumers think of their sites versus competitors’ and how their sites are performing.