I'm not going to answer your question, as I think you've got the majority of the items covered, and you probably don't need more 'features', rather a focus on e

I'm not going to answer your question, as I think you've got the majority of the items covered, and you probably don't need more 'features', rather a focus on excellent execution of a small set at first, and then see what your users need. However, and please take this with a grain of salt because I don't know your business, my bank has separate apps for my bank accounts and my investment accounts. This means I open one app, do something with it (often transfer to my other account), then open another app and do whatever I wanted to do there. I think banks think we structure our lives similar to their corporate structure, which is completely incorrect. Personally, I don't want to look at my homescreen and see three different apps from one brand, all using a very similar logo, try to guess which app I need for what task, and then jump back and forth between apps. What I DO want, is a nice clean app that does one thing very well. If I have both a banking and an investment account, I want it to do two things very well, but those two things don't need to be different apps, just an extension of the first app. I've been building a very modular app in Angular.js and am really starting to appreciate how we can extend app functionality with modules, rather than writing big honking apps for each feature. App discovery doesn't need to mean 'app store', it could be a group of plugins for your app. Hope that helps.