Apple Card is amazing for a really small thing, which is it's the first "native" client that easily and beautifully shows you your transaction data. Do other banks not do this because it doesn't align w/ their incentives or because they physically can't?
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It's definitely also about engineering talent. Tech can be poorly understood at the executive level in corporations e.g. instead of recruiting a proper iOS native team, they might try to build via multi-platform frameworks that their existing Java teams can use.
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I would absolutely have bought this in 2009 but the big bank iOS apps are now reasonably functional, they just lack product sense. Example from what might be my favorite bank app: it’s perfectly functional, but doesn’t really try to be more than functional.pic.twitter.com/88yD6zEHJy
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If I knew how much money I was spending on my credit cards I would spend less money on my credit cards
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If I worked at a bank and was sponsoring this product and someone said that as an objection, I’d say that people introspect their values poorly, that we have given them instant account statements for decades, and that according our users’ behavior is their desired behavior.
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In the UK (they're launching in the US soon) we have banks like Monzo doing amazing things alreadypic.twitter.com/wM5LhyVMb8
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Note all the additional information and services available on a transactionpic.twitter.com/aTwHfVuJIb
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