What could be more fun on a gorgeous summer day than boiling down online banking to its core functions?

From the consumer’s perspective, banking is pretty simple. You stash away some money in the bank and then you spend it. Rinse. Repeat.

The online/mobile banking experience should echo that simplicity. Here are eight key things users should be able to do: 

• See: View balances, checks written, purchases made, images, and so on
• Sort: Interact with the data by rearranging, categorizing, tagging and so on
• Save: Store all data, images, and reports for future reference 
• Share: Allow other authorized users to view/receive selected info
• Send: Move money to pay bills, transfer funds, pay down loans and so on
• Select: Choose account options, change service plans, modify settings, and so on
• Service: Investigate and fix issues
• Secure: Batten down the hatches for all financial matters

I believe the industry is only about 10% to 15% of the way towards delivering on these eight items. Most online banking services are pretty good with See. And there’s been a lot of work done with Secure and Send, but they are not nearly perfected yet (I spent 40 minutes in the branch Tuesday sending a $3,000 wire, and I still don’t know if the recipient got it). But the other areas are wide open.

Did I miss anything?

Note: Photo credit — Adonis Hunter (Flickr)