blender
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Post by blender on Feb 19, 2018 13:28:46 GMT
Trying to contribute a more useful post (than my previous):
One of the very few things that troubles me about the new UI is the display of available self-select loans. I think that when a new self-select loan becomes available, there is no indication of it on the log-in page or the dashboard, which I assume is the route most lenders take in to check their accounts. There is also a rather spooky home page with Ablrate acting as your reflection in the screen and prodding your buttons, but that's not for active users. Anyway, we have gone through two or three screens but still have no idea if there are any live self-select loans available. The portfiolio loan is shown, which is good, but to find if there are other loans available, other than portfolio loan, you have to know that selecting 'available loans' may take you to an Alladin's cave of other loans called 'self-select'. It's quite possible for a newbie to think that the only loans available are the portfolio loans and the SM loans. I would like to suggest that it would be really beneficial to have all the new loans listed on the dashboard, perhaps not in detail, but of equal prominence to the portfolio loans, just as the portfolio loan was added to the available loans page. The last ss loan filled very quickly, but that is not always the case, and I think it would be beneficial for both the platform and the lenders to have visibility of the ss loans on the dashboard. At present the current SS loan is shown as closed, and it might be argued that showing it on the dashboard as 'you missed it' might be disappointing for lenders. However, I suggest that lender psychology is an important issue for platforms (ask a betting site owner) and that displaying such loans is beneficial. Apart from demonstrating the active loan generation, which encourages lenders to log in, the fact of having missed a good loan will encourage lenders to log in more frequently so that they catch the next one. I know there is a good email, notification, but that is peripheral.
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SteveT
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Post by SteveT on Feb 19, 2018 18:45:58 GMT
b) When setting up a new Offer for an amortising loan, can you have the "Valid until" calendar grey-out all dates beyond the next interest date (ie. only permit selection of dates up to the next interest payment). It drives me bonkers that I'm invited to select any future date, tick Confirm, click Submit, and only then be told that the date I've selected isn't permitted. If the system knows that date isn't permitted, why did it let me select it in the first place?! Amazingly, this requested improvement has been implemented same-day. Respect, and thanks ablrate! (ps. One very minor further tweak needed: the calendar still shows today as an available "Valid until" date, only later to flag that it must be a future date)
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poppyland
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Post by poppyland on Feb 20, 2018 11:27:40 GMT
Ablrate, please could you make the space that shows how much money you have invested in a loan blank if you have nothing in that loan. Currently it is blank if you have never invested in the loan at any point, but reads £0.00 if you were in the loan, but sold your parts. Thanks!
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Post by ablrate on Feb 20, 2018 12:21:02 GMT
Trying to contribute a more useful post (than my previous):
One of the very few things that troubles me about the new UI is the display of available self-select loans. I think that when a new self-select loan becomes available, there is no indication of it on the log-in page or the dashboard, which I assume is the route most lenders take in to check their accounts. There is also a rather spooky home page with Ablrate acting as your reflection in the screen and prodding your buttons, but that's not for active users. Anyway, we have gone through two or three screens but still have no idea if there are any live self-select loans available. The portfiolio loan is shown, which is good, but to find if there are other loans available, other than portfolio loan, you have to know that selecting 'available loans' may take you to an Alladin's cave of other loans called 'self-select'. It's quite possible for a newbie to think that the only loans available are the portfolio loans and the SM loans. I would like to suggest that it would be really beneficial to have all the new loans listed on the dashboard, perhaps not in detail, but of equal prominence to the portfolio loans, just as the portfolio loan was added to the available loans page. The last ss loan filled very quickly, but that is not always the case, and I think it would be beneficial for both the platform and the lenders to have visibility of the ss loans on the dashboard. At present the current SS loan is shown as closed, and it might be argued that showing it on the dashboard as 'you missed it' might be disappointing for lenders. However, I suggest that lender psychology is an important issue for platforms (ask a betting site owner) and that displaying such loans is beneficial. Apart from demonstrating the active loan generation, which encourages lenders to log in, the fact of having missed a good loan will encourage lenders to log in more frequently so that they catch the next one. I know there is a good email, notification, but that is peripheral. Hi Blender We have added some text at the top that essentially says 'loans are coming'. This changes dynamically and will say 'There are £X of available self-select loans' with a link to the available loans page.
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elliotn
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Post by elliotn on Feb 20, 2018 12:50:21 GMT
Ablrate, please could you make the space that shows how much money you have invested in a loan blank if you have nothing in that loan. Currently it is blank if you have never invested in the loan at any point, but reads £0.00 if you were in the loan, but sold your parts. Thanks! Each to their own, but I like that column the way it is. The '£0.00' draws attention to the fact I once held a position in that loan and why I sold out of it. What s/he said ^^ ^^
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poppyland
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Post by poppyland on Feb 20, 2018 14:18:15 GMT
Ablrate, please could you make the space that shows how much money you have invested in a loan blank if you have nothing in that loan. Currently it is blank if you have never invested in the loan at any point, but reads £0.00 if you were in the loan, but sold your parts. Thanks! Each to their own, but I like that column the way it is. The '£0.00' draws attention to the fact I once held a position in that loan and why I sold out of it. Ok guys - it looks like most people prefer to keep it the way it is. I personally have a different system to mark up loans as desirable/non-desirable - I buy at least a tiny piece of every loan that I am interested in, even if I have to buy £5 at 106% or something crazy, and this acts as a flag to tell me to buy more if I see some at a good price. When I scroll up and down, I then look for loans which I currently hold, and check what's on offer. The blank space is fine, and tells me to ignore that loan, but the £0.00 catches me out sometimes because I mistake it for a holding. But I can see that it could also work as a marker for a loan that you don't want anymore.
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garfield
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Post by garfield on Feb 20, 2018 16:10:41 GMT
A solution that could suit everyone: How about having the £0.00 highlighted in red, for example? Or perhaps anything below 1p (to allow for rounding). Although red has its own meaning in finance, so maybe blue £0.00 or green £0.00How much discussion might it take to agree on a colour?
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blender
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Post by blender on Feb 20, 2018 16:39:50 GMT
We could agree on white. I feel the same as poppyland; if I have nothing in the loan I prefer not to be distracted by £0.00. The fact that I once had some but no longer do is not very useful, and if it's now trading at +4% it's upsetting.
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blender
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Post by blender on Feb 20, 2018 17:55:04 GMT
Trying to contribute a more useful post (than my previous):
Hi Blender We have added some text at the top that essentially says 'loans are coming'. This changes dynamically and will say 'There are £X of available self-select loans' with a link to the available loans page. Wow! Yes, that can be used to promote available loans, loans coming shortly (with a date), and even loans full but not drawn down. It's also good to have more frequent change on that page, and also the more personal element of addressing the lender as 'you' with some information other than numbers. Now, about that 'birthday greetings to lenders' box.
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garfield
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Post by garfield on Feb 20, 2018 18:19:41 GMT
We could agree on white. I feel the same as poppyland; if I have nothing in the loan I prefer not to be distracted by £0.00. The fact that I once had some but no longer do is not very useful, and if it's now trading at +4% it's upsetting. OK I concede. I'd be happy with white as well.
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blender
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Post by blender on Feb 20, 2018 20:18:54 GMT
We could agree on white. I feel the same as poppyland; if I have nothing in the loan I prefer not to be distracted by £0.00. The fact that I once had some but no longer do is not very useful, and if it's now trading at +4% it's upsetting. OK I concede. I'd be happy with white as well. It's a matter for Ablrate to decide, and your view counts for as much as any other. I was just contributing an opinion, and should have added that it is not a big issue for me.
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garfield
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Post by garfield on Feb 20, 2018 22:29:37 GMT
It's a matter for Ablrate to decide, and your view counts for as much as any other. I was just contributing an opinion, and should have added that it is not a big issue for me. I should have been clearer. I've realised it's not an issue for me either.
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poppyland
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Post by poppyland on Feb 21, 2018 12:44:58 GMT
I think a different colour for the £0.00 would be a good solution that will suit everyone. It occurs to me that the fact that a loan doesn't entirely disappear when you sell it might be due to some fractions of a penny that stay on the system, thereby making it incorrect to remove the old loan holding completely.
It's nice that Ablrate are so open to user suggestions. I wonder if, in the long term, they would consider adding two things to their loan documents: a second valuation of any tangible assets put forward as loan security, and a brief explanation of why a borrower is seeking finance through p2p rather than getting a [much cheaper] bank loan. I would find both of these things interesting and reassuring before investing in a loan - not that the absence of them stopped me purchasing a good chunk of the recent offering!
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Post by GSV3MIaC on Feb 21, 2018 13:12:21 GMT
Despite ablrate fixing things at an amazing rate, I am still being left with 1001 open windows, or tabs, to close when I finish a session .. is it just me, or is there some good reason to open a fresh window/tab for practically all transactions??
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IFISAcava
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Post by IFISAcava on Feb 21, 2018 13:25:05 GMT
Despite ablrate fixing things at an amazing rate, I am still being left with 1001 open windows, or tabs, to close when I finish a session .. is it just me, or is there some good reason to open a fresh window/tab for practically all transactions?? I like it - keeps the baseline summary window open with lists of loans, then individual loans open in a new window that can be closed after doing whatever needs doing on that loan.
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