Euros and Sense at AIB: The Implementation Model versus the User Mental Model
– posted June 15th, 2007 by Laurence Veale Comments (3)
On the AIB internet banking screen to transfer money, instead of asking you for the Euro amount to transfer, they’re asking for the amount in cents. While they’re not imposing a huge cognitive load on me to convert from Euro to cents (they even give an example of how to do it), it should not be an excuse. Compare it to Bank of Ireland’s equivalent
The System or Implementation Model
The system model, also commonly referred to as the implementation model, is what we’re seeing here. AIB’s backend systems, like all other banks, deals in cents.
But here’s the thing, we don’t need to know how the engine works to be able to drive a car.
The user interface for transferring money on the AIB site reflects how the system is built internally, rather than reflecting the customer’s goals.
Alan Cooper on Interaction Design
In Chapter 2 of Alan Cooper’s About Face 2.0. The Essentials of Interaction Design (recently released as a third edition, About Face 3) the topic of the conflict between the implementation model and the user mental model is discussed in great detail. Some of the key statements and axioms he describes are at play with AIB:
- Axiom: User interfaces should avoid implementation models in favour of user mental models
- Software designed by engineers follows the implementation model
The User Interface IS the application
An overused saying and perhaps a little twee, but it’s true. It’s the only thing the customer cares about.
Taken from 37 Signal’s Basecamp Manifesto,
If something is confusing, slow, or a pain to use, it won’t get used. It’s that simple. That’s why we pour so much love into the design of the Basecamp user interface.
How to avoid the dreaded implementation model
My tips for avoiding the dreaded implementation model are:
- Starting out, understand your users’ goals and design for them.
- Design the interface first, then the backend, not the other way around
- Aim for “Easy to use” over “Easy to code”
- Design and test with real users, don’t present your ‘design’ to users for the first time when the application goes live


3 comments so far
1. Dave Davis on Jun 15th, 2007 - 18:40
Great write up Laurence. You are spot on. The UI IS the application. This still does my head in on AIB. It always gets me. (Don’t get me started on how many times I had to request a resend of the “code card”).
Too many companies have their DB or internal system integration done and leave it at that. The trouble is that by the time it is ready, they are SUPER familiar with the app and think the rest of the world will be too.
We are all guilty of that to some degree, but a Bank who put so much effort into usability over the past year should have that on their to-do list at least.
2. Lar on Jun 17th, 2007 - 16:22
Thanks Dave,
you’re right. The closer we are to our own product, the hard it is to be objective. Objectivity, for me, is a key requirement in usability work.
3. Rory McCann on Jun 18th, 2007 - 17:15
I’ve been stung by this. My mum wanted to pay her car tax online. They also have ‘enter your amount in cent’ sillyness. My mum wasn’t sure if she’d wind up pay €10,000 for car tax, so she didn’t pay online.
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