Here's a thought experiment: how hard is it for a billion dollar company to roll out a simple crud app? Easy, right? Now name a single major bank with an app that is better than "barely usable". Which is easier? A crud app or a ride hailing app?
All my banks have good apps on par with the fintech startup apps I use (and actually I trust them more because they aren't moving fast and breaking things).
Same for me too - my incumbent bank's app is mostly comparable with the latest hot fintech's. The latter has nothing but a slightly more polished visual look, and that's not enough for me to trust them with my paycheck.
I use a regional bank and their app is only usable for minor day to day things. For that it's fine. But I can't do anything "serious" in it: checking account transactions are limited to only the last 2 weeks; I can't search transactions for a specific amount or merchant or date; I can't view past payments I've made for bills, etc.
For any of the above, I have to use the desktop site. These are not technical limitations either and should all be in the app if we want full parity with mobile.
Which national US bank or investment company has an app you find “barely usable”? The only one that comes to mind is Vanguard and that fits my mental model they’ve cultivated of keeping costs low on extraneous things so in a perverse way is a positive.
Chase's website is pretty crappy. I regularly have to login twice, or check the developer console to debug why I get infinite loading spinners. This is with a stock and up-to-date Chrome install on a good network.
