American Express personal loans are a jawdroppingly good experience for a traditional financial product. Blended online and offline experience, *heavily* relies on your information on file with them, and done in like ~2 minutes at 7 AM on a Saturday with, I think, human review.
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Replying to @patio11
You need to come to the UK... that's standard for a big bank. You should see what the challenger banks are doing. Its great
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Replying to @IamStan
But if I immigrated again to get good bank stories how would I keep getting Japan bank stories?
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Out of curiosity, do you have any insight as to what a Japanese bank's experience for this would be like?
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For the ~2 who could successfully complete an application online, you'd be asked about 150 form fields worth of data the bank mostly already knows about you, spread over 8~12 pages of a web app rocking the very latest in 1996 UX technology. The process would take ~2 weeks.
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Sample form fields: What's your employer's address? What's your employer's address spelled phonetically (in kana)?
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