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Post by bengilbert on Oct 21, 2014 12:32:44 GMT
This is from the Pink The central philosophy is to simplify things for casual time poor lenders. As the products and "create your own" launch in the coming days and weeks this will become more apparent. However for those with the time and inclination you can still micromanage your account, picking and choosing individual loans or building you own meticulously crafted investment plans that are then automatically executed. When the "create your own" service launches we'll run a series of online workshops where those who are interested can learn in detail how the system works and how to get the most out of it. Conceptually it's simple but there's a lot of power under the bonnet. In terms of the financials the most obvious changes are the removal of auctions, as previously announced by Andy H, and the separation of virtual bank accounts. Your cash account can no longer be used to do anything other than transferring funds in and out of the site and then distributing those funds to where you want them within the site. You don't invest directly from your cash account. Each product, including manual investments which is just a special product as far as the system is concerned, have their own segregated virtual bank account. You need to transfer funds from your cash account into the relevant investment account in order to be able to deploy those funds - this is admittedly an extra step but it is required to prevent automated systems lending out your funds as soon as those funds hit your account. Within each product / manual investments you can choose what to do with repayments as they come back in. If you click on the "Reinvest Repayments" link then you can choose a different strategy. The options let you automatically reinvest everything, just the principal, or to withdraw all repayments. Anything withdrawn is returned to your cash account ready for you to withdraw from the site or redistribute into other products. I'm happy to deleted bengilbert's question if he wants that. No need at all, thanks for mentioning it though!
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Post by colalba on Oct 21, 2014 12:37:10 GMT
Very much my feelings too - on the financial statement the headings take up three quarters of the screen! And under "Your Loans" only ten are shown per page, whereas we used to have one long list. Generally I'd rather have as much information squeezed onto a page as possible. Is there a way to see my total investment on the platform (cash plus loan units plus accepted and live bids) without adding up all the bids myself? Squeezing information on to a page isn't good for new users or those on smaller devices such as iPads. We're trying to cater to a very wide range of users which isn't an easy balancing act, and choices have been made with good reasons even if that can't apply to all users all of the time. That said we have a new user experience expert joining the team later this week to bring the design of the site in house. His remit is to understand all of our users and to optimise every last control on every page. Part of his role will be to interact with you all on the forums, hold workshops, study the analytics, and then to come up with changes to the interface to make it as widely accessible and usable as possible. Some of this will be via tweaks to the layout others via configurable options. No website is ever done and what we're launching today is just the foundation for the next year or two of development. Of course you don't want to squeeze everything up on the page for either new or experienced users. but for example on the browse loans page the first loan you see is 4/5 of the way down the screen. Surely there is a compromise which allow the screens to be both readable but also display a reasonable number of loans. Plus remember, new users are only new for a while and then they too will face the same irritations.
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bigfoot12
Member of DD Central
Posts: 1,817
Likes: 816
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Post by bigfoot12 on Oct 21, 2014 12:37:26 GMT
There are simple queries on here - why on earth should they be on pink? First impressions - i like it - i have long ago given up bidding so that side of things doesn't bother me. I love seeing what i have and being able to increase/decrease so easily. My reaction to the Purple Pox was to cut my holdings - My reaction to this redesign is to transfer money in as I can now fill in the gaps which i didn't know i had... Only suggestion - why limit loans to ten per page... Jack P I second most of this. I think the layout is okay, the contrast is mostly good, and I like it. I too would like the loan limit to be bigger, or configurable (10,25,50,All) sort of thing.
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Post by chris on Oct 21, 2014 12:38:13 GMT
There are simple queries on here - why on earth should they be on pink? First impressions - i like it - i have long ago given up bidding so that side of things doesn't bother me. I love seeing what i have and being able to increase/decrease so easily. My reaction to the Purple Pox was to cut my holdings - My reaction to this redesign is to transfer money in as I can now fill in the gaps which i didn't know i had... Only suggestion - why limit loans to ten per page... Jack P Moving to 20 loans per page later this afternoon (based on the feedback we've had) and will make it user configurable in time.
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mikeb
Posts: 1,072 
Likes: 472
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Post by mikeb on Oct 21, 2014 12:39:37 GMT
I don’t claim to be the most tech savvy individual but, unless I am missing something, where the hell are the live bids and accepted bids from the old system? Over 3 separate accounts we are over £1500 short and barring a few pence it’s all down to the live and accepted bids not being shown, I’m bl**dy glad that I had the presence of mind to take screen shots (which reconciled to the last penny) earlier this morning. If I’m correct in saying that live and accepted bids are not showing, why not? And if I’m wrong, how do you find them? Not good enough AC. From the dashboard page they are under the "Reports" tab.. Nothing under the "Reports" tab at all, in fact none of the tabs at the top work. They all point to "https://www.assetzcapital.co.uk/investments/#" which is the page I'm on. Can't find my account summary information, or my statement. AI has done something and bought me loan parts, I can't see what. Can't see accrued interest or track the multitude of errors that have been building up to see if they've been fixed. Also in the sinking-feeling-it's-RS-all-over-again camp here. Especially if we are catering for people on iPads that require everything to be huge, spaced out, and purple to the detriment of everyone else. Also someone mentioned a tour when they logged in. What tour? All I've found is a .PDF explaining how it works (which is all generic what-is-P2P lending stuff). And I deliberately left open the old AC pages so I could cross check, thanks to some clever trick, they refreshed into a dogs breakfast hybrid of the two and are unusable.
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Post by chris on Oct 21, 2014 12:40:38 GMT
From the dashboard page they are under the "Reports" tab.. Nothing under the "Reports" tab at all, in fact none of the tabs at the top work. They all point to "https://www.assetzcapital.co.uk/investments/#" which is the page I'm on. Can't find my account summary information, or my statement. AI has done something and bought me loan parts, I can't see what. Can't see accrued interest or track the multitude of errors that have been building up to see if they've been fixed. Also in the sinking-feeling-it's-RS-all-over-again camp here. Especially if we are catering for people on iPads that require everything to be huge, spaced out, and purple to the detriment of everyone else. Also someone mentioned a tour when they logged in. What tour? All I've found is a .PDF explaining how it works (which is all generic what-is-P2P lending stuff). And I deliberately left open the old AC pages so I could cross check, thanks to some clever trick, they refreshed into a dogs breakfast hybrid of the two and are unusable. Do you have javascript disabled? I'll run the rest past my dev team.
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Post by yorkshireman on Oct 21, 2014 12:46:25 GMT
I don’t claim to be the most tech savvy individual but, unless I am missing something, where the hell are the live bids and accepted bids from the old system? Over 3 separate accounts we are over £1500 short and barring a few pence it’s all down to the live and accepted bids not being shown, I’m bl**dy glad that I had the presence of mind to take screen shots (which reconciled to the last penny) earlier this morning. If I’m correct in saying that live and accepted bids are not showing, why not? And if I’m wrong, how do you find them? Not good enough AC. From the dashboard page they are under the "Reports" tab.. I've found it now, thanks for the clue!
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Post by chris on Oct 21, 2014 12:48:54 GMT
From the dashboard page they are under the "Reports" tab.. Nothing under the "Reports" tab at all, in fact none of the tabs at the top work. They all point to "https://www.assetzcapital.co.uk/investments/#" which is the page I'm on. Can't find my account summary information, or my statement. AI has done something and bought me loan parts, I can't see what. Can't see accrued interest or track the multitude of errors that have been building up to see if they've been fixed. Also in the sinking-feeling-it's-RS-all-over-again camp here. Especially if we are catering for people on iPads that require everything to be huge, spaced out, and purple to the detriment of everyone else. Also someone mentioned a tour when they logged in. What tour? All I've found is a .PDF explaining how it works (which is all generic what-is-P2P lending stuff). And I deliberately left open the old AC pages so I could cross check, thanks to some clever trick, they refreshed into a dogs breakfast hybrid of the two and are unusable. We can recreate most of this if we disable javascript. Both the old site and the new site require javascript to run, more so the new site due to some of the third party libraries that are being used. Could you clear your cache and make sure javascript is enabled in your browser's settings?
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is
Posts: 108
Likes: 14
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Post by is on Oct 21, 2014 12:50:07 GMT
Very disappointing
- Still cannot sort loans easily (should be sortable by every criteria, e.g. by highest coupon)
- Lost a bunch of functionality (Can no longer see/set price adjustments for loan units, nor who is selling)
- Much page changing to buy/sell
- Underwriter section has been lost completely
Edit: No way to maintain constant loan exposure on amortising loans, it appears, with the new "target" based system - or will it automatically reduce target in line with amortisation schedule?
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Post by chris on Oct 21, 2014 12:51:05 GMT
From the dashboard page they are under the "Reports" tab.. I've found it now, thanks for the clue! See the other post by Ton quoting me as to the change in philosophy in response to your wider (now edited) post about our thinking. Bids are no more, hence being a little bit hidden on the new site as they'll fade out of operation over the next few weeks.
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mikeb
Posts: 1,072
Likes: 472
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Post by mikeb on Oct 21, 2014 12:51:28 GMT
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bigfoot12
Member of DD Central
Posts: 1,817
Likes: 816
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Post by bigfoot12 on Oct 21, 2014 12:53:06 GMT
Only suggestion - why limit loans to ten per page... Jack P Moving to 20 loans per page later this afternoon (based on the feedback we've had) and will make it user configurable in time. Why can't more companies respond to feedback this swiftly? Well done.
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Post by chris on Oct 21, 2014 12:54:58 GMT
Site has been thoroughly tested in Firefox and works fine for us. Did you see my post about clearing your cache? Shouldn't need to do that but it sounds like your browser has gotten into a funny state. If you could try that first and if that doesn't work let me know and I'll try and come up with something else.
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Post by yorkshireman on Oct 21, 2014 12:56:47 GMT
I don’t claim to be the most tech savvy individual but, unless I am missing something, where the hell are the live bids and accepted bids from the old system? Over 3 separate accounts we are over £1500 short and barring a few pence it’s all down to the live and accepted bids not being shown, I’m bl**dy glad that I had the presence of mind to take screen shots (which reconciled to the last penny) earlier this morning. If I’m correct in saying that live and accepted bids are not showing, why not? And if I’m wrong, how do you find them? Not good enough AC. Found them but why are they separate from the rest of the account? The old method showed: Available to invest + Live bids + Accepted bids + Loan units = Total investment. However the new method shows: Manual Loan Investments Account (i.e. Loan units) + Current cash balance = Total Investment. (  ??  ) That looks like woolly thinking from some IT whizz kid rather than plain logic, the total investment has got to equal the same by both methods. Additionally the total of the live bids + accepted bids on the first account I checked is out to the tune of £4+ which I guess someone will tell me is down to rounding which is all well and good provided the correct figure is available if I wish to withdraw money. Presumably the other 2 accounts will show discrepancies but I haven’t time to be checking those at present. I can live with change but I expect it to be carried out logically, something which appears to be missing from this upgrade. After all the usual AC hype pre launch, I’m not impressed
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mikeb
Posts: 1,072
Likes: 472
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Post by mikeb on Oct 21, 2014 12:58:39 GMT
Site has been thoroughly tested in Firefox and works fine for us. Did you see my post about clearing your cache? Shouldn't need to do that but it sounds like your browser has gotten into a funny state. If you could try that first and if that doesn't work let me know and I'll try and come up with something else. Yes, done that. Still no good. Can you post a direct link to what the statement page is so I can find out what's just happened?
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