This article will discuss the development of mobile apps in the banking sector by examining a natural product, actually designed and developed. The idea is to relive the history that led to the conception of this project, starting from the initial motivations and needs to get to the strategies and choices made, also reporting the problems that often are encountered in the creation of an app and the differences with the web world. DICEUS is one of the best companies that is providing mobile banking app development services.
The Reasons For An Enterprise App
Bank App comes first from careful market analysis of Phoenix’s end customers who have shown themselves increasingly attracted to mobile services. In particular, the study of the company’s mobile web product provided important information on the strategies to be adopted, given the development of an enterprise app dedicated to specific operating systems.
In line with the general market trends, the number of users of the mobile web channel is showing exponential growth. In the last year alone, the number of accesses made has increased tenfold. The types of devices have also changed, more performing and complete than in the past, so much so that this sector is dominated by smartphones and tablets, i.e., devices that can perform different actions in addition to classic web browsing.
Mobile Operating Systems And Their Diffusion
Wanting to analyze the different operating systems, based on the statistics conducted on the mobile web application, Apple iOS is in the first place, constituting about 50% of accesses. Still, Android is constantly growing by about 35%. Together with iOS and Android, therefore, make up 85% of total accesses. The remaining 15% is divided into other operating systems such as RIM, Microsoft, and Nokia.
The high market share of Apple and Google operating systems is also underlined by some research conducted on the world market. In particular, the research institute IDC last February 14 published the list of the most popular mobile operating systems in circulation, stating that iOS and Android together reached 88% of the market. In the face of these investigations, Phoenix has opted for the distribution of the app on the Apple and Google OSes while maintaining its mobile web channel available for all the other players for which the dedicated app has not been developed. The choice not to publish the app for specific operating systems is also linked to the technologies used in the development phase, as seen below, and could be reconsidered following essential changes in the market.
Type Of Use
However, the most important is ‘ use that is made of Bank on the mobile devices, for each log corresponds to at least one request of its extract account (list of movements and his bank account balances). The functions for sending bank orders such as wire transfers or telephone top-ups are less used.
Therefore, the primary resource that the mobile user requests and needs are information relating to their accounts. And it is precisely on this last aspect that the mission of Bank App has been focused on: giving the customer a tool that provides immediate and straightforward access to their banking information and allows, if necessary, to send orders to the Bank.
Definition Of A Strategy Focused On UX And Cross-Channel Interactions
Based on these data, Phoenix has defined business strategies aimed at satisfying the needs and requirements of its customers, including:
- centralization: providing the user with a single point where they can have all the information they need at their fingertips;
- immediacy: ensuring quick access to this information;
- personalization: allowing the user to choose which information to receive and how to view it;
- control: the user must feel confident in using the app;
- Interactivity: the application must be interactive and performing as well as easy to use.
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