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Good user experience is hard to deliver, and it’s especially hard in the world of mobile apps, which is fast expanding to include smartwatches, other wearables, in-car systems, and more. Not only are the device screens and input methods different from what computers have, but the contexts in which people use them also vary.

Last week, I spent a couple hours at the mobile innovation lab at FIS, the financial services technology company that provides the mobile apps and more for 1,600-plus banks, to see what ideas it’s explored that might help any company get better user experience (UX) in its own apps. I found several.

Why look at what a financial services technology provider is doing? Because if there’s an app that every smartphone user has, it’s one for your bank. You probably also have a loyalty-card app, such as from Starbucks or Walgreens; FIS creates such apps too. These apps get high usage, and they live and die by their quality.

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