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Ketharaman Swaminathan
Ketharaman Swaminathan - GTM360 Marketing Solutions - Pune 03 November, 2014, 15:39Be the first to give this comment the thumbs up 0 likes

Many banks I've spoken to have told me that they've taken a conscious decision to release mobile wallet as a separate app and not as a feature of their mobile banking app.

This resonates well with mobile app best practices which prescribe that mobile apps should be designed at a lower level of granularity compared to web apps. As a result, a single web app will inevitably be broken down into multiple mobile apps. I've covered the reasons for this approach in a post titled titled SaaS Will Change The Outcome Of The Bloatware Versus Light Apps Debate (hyperlink removed to comply with Finextra Community Rules but this post will appear on top of Google Search results) on my company blog. 

For example, Oracle has split its single JDE ERP package into 60 mobile apps (https://twitter.com/GTM360/status/493600498482548739). The closest BFSI example of this I can think of is ICICI Bank's app store, in which 2 web apps have been split into 10 mobile apps.