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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Replying to @TrevMcKendrick
It’s mostly about will, product vision, and a lack of internal buy-in that that particular digital investment would produce the sorts of ROI they *very definitely* get on some other projects (like moving more of their application processes online).
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Replying to @patio11 @TrevMcKendrick
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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Replying to @yongfook @TrevMcKendrick
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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Replying to @patio11 @TrevMcKendrick
Caveat, I'm looking at this through a Southeast Asia lens. I'm a customer of UK digital banks and have been blown away by the amazing UX. Singapore, MY, ID etc are years behind. (and probably will continue to be as the likes of
@stripe hire all the best engineers in the area!)3 replies 0 retweets 3 likes
I prefer to think that hopefully we’ll build (including from Singapore) the things that very talented devs in SEA use to build their banking apps at some point in the future. (If this vision of future is interesting folks, we’re hiring!)
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