Wish I had thought to screengrab it but I did an Amex personal loan application and it looks like something out of a Valley product team.
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Replying to @patio11
Particularly nice bit: "Do you want to pay credit card directly or deposit money to your bank account?" select second "The BoA one on file?"
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Replying to @patio11
I feel like startups do not appreciate the extent to which good product sense and responsive web design are not a defensible moat.
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Replying to @patio11
I mean, presumably you're not in lending and competing against Amex, but you're in X and competing against Y. Y does lots of impressive work
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Replying to @patio11
"We're going to win because we have superior geeks" Capitalism happy for you; will source geeks like it sources lawyers and M&A specialists.
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Replying to @patio11
Anticipating a trend where Finance starts acqui-hiring design/tech teams like consultancy companies already did? Sounds reasonable.
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Replying to @argen
I think this has already happened, just looking at Capital One, American Express, and Chase products in the last year.
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I could certainly see their competitors (BoA and some of the brokerage houses, for example) doing similar to stay competitive.
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