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Pretty much all of those apps will use cross-platform frameworks to save costs and bundle bunch of extremely bloated proprietary (paid) libraries. It's not stra
by izacus 4y ago
Pretty much all of those apps will use cross-platform frameworks to save costs and bundle bunch of extremely bloated proprietary (paid) libraries. It's not strange to see those whole apps written in web stack and bundling whole Chromium and bunch of large native libraries claiming they "detect unsecure phones" (while mostly just crashing when they see something like Android 13 or iOS 16).
Almost all of them are outsourced as well, so you get the cheapest solution done by cheapest developers combined with box ticking compliance.
- dandigangi 4y agoThinking exactly the same thing. Plus... banks are already worth billions and have little reason to invest in things that doesn't effect their bottom line when they are already printing money.
- izacus 4y agoThat, and quality of the app is not really a decision that drives selection of a bank. I've been told by a certain EU bank marketer that "if we get them before 18, they're ours until death". Which is a bit of an exaggeration, but it's telling about just how sticky the customers for banks are. Switching out accounts and losing those preferred mortgage deals is a big deal.
- dandigangi 4y agoYup! Great example you can see it super quickly is SAP... (not a bank but $170B+ value and little incentive to improve the quality)
- im3w1l 4y agoSuch arrogance will not go unpunished. Banks have two ways to differentiate. Better app and better prices. The prices they can offer is based on their degree of automation and the quality of their risk models. In other words, they are tech companies and they better act like it.
- itsthejb 4y agoThis is so true. Long ago I had a telesales warm calling job for a mortgage product. The number of customers who had all their financial services from a single one of the big few (U.K.) banks was telling