Smoother than HASL, but still is bumpy. Used because the nickel and gold plate protects the copper underneath from oxidising, so that the solder paste and flux application is more controlled in thickness, and thus the reflow step gets an even connection to all the BGA balls, and the flux is able to handle the slight amount of oxide that will have formed between manufacture and reflow. Thus the balls all will flow to cover the same area, and thus the package will be a consistent height above the PCB, so that you can not have balls that do not make contact, or some flatten out and short to adjacent ones. Plus afterwards you can easily wash flux residue out from under the package. The gold will dissolve into the solder, along with the nickel, and a little bit of the copper of the traces and pads, but there is not enough to make for a brittle alloy, so the joints will not fracture. Gold tin alloys have a certain percentage of gold that forms some very brittle alloys, so a thick gold plate can dissolve inot small volumes nad make the brittle alloy, or get the purple plague from the colour of the alloy in the fracture.