What do Peek, Loungebuddy and Bandsintown have in common, and, to amplify the riddle, what do they have to do with banking? All three iOS apps do something that the vast majority of banking mobile applications don’t: leverage other data streams on the mobile device. They also – and here is the important point – do not require any action on the part of the user in order to do so. Banking mobile applications had better start doing this soon. Peek, which launched today, is a calendar application; Loungebuddy is a relatively new app to find airport lounges; and Bandsintown, which has been around for a couple of years, helps music lovers find live concerts. And you are wondering, where is he going with this? Let’s start with Peek. It is Apple-elegant. It sleekly (and that is an understatement) creates a calendar environment that is just light years ahead of the default Apple calendar. And that’s the thing: it leverages the data in the Apple calendar (or technically within the iOS) to create a more elegant experience without the user needing to do anything beyond giving the app permission to do so. I am not aware of a banking app [...]
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