A great mobile banking app does a lot more than track account balances and send text alerts.Here are some features that are essential for a good banking mobile application to have.

1. Awesome Mobile
Banking App
Features
A guide by Android Developer

2. Awesome Mobile Banking App Features
● Intuitive Interface
● Visualize Information
● Quick Balance
● Transaction Details
● Account Security
● Debit Card On/Off
● Customer Service
● Mobile Photo Check Deposit
● Mobile Photo Bill Pay
● Branch/ATM Locator
● Safe-to-Spend
● Personal Financial Management
● Receipts
● Person-to-Person Payments
● Travel Notification
● Personalization/Customization
● Credit Monitoring
● Mobile Photo Account Opening
● Wearables Integration
A great mobile banking app does a lot more than track account balances and
send text alerts.Here are some features that are essential for a good banking
mobile application to have:

3. Intuitive Interface
The design of the interface should be
both clean and intuitive. Keep each
screen simple, and make buttons,
numbers and text large.

4. Visualize
Information
Banking is boring, with lots of numbers
and text. Good mobile banking apps are
functional, while great ones “dress up”
otherwise dry information and make it
as visually appealing as possible.

5. Quick Balance
Users can “preview” or
“peek” at their account
balance with a swipe —
no login required.

6. Transaction Details
The app doesn’t just show the amount
of payments made. It displays full
contact info for the payee, including
address, phone number (with click-to-
call option) and a map showing where
the charge was made.

7. Account Security
Beyond just regular passwords, users
can opt for either biometric
verification using Fingerprint ID or a
gesture-based password method.

8. Debit Card On/Off
Lock or unlock your debit card
for security in a single tap,
while the actual account itself
stays open.

9. Customer Service
Get help from a personal banker
quickly, or set up an appointment with a
financial advisor. Users should also be
able to browse FAQ’s and video
tutorials to get help without speaking to
anyone.

10. MObile Photo Cheque
Deposit
Users can effortlessly deposit
money into your account anytime,
from virtually anywhere using your
mobile device’s camera. This is a
must-have feature.

11. Mobile Photo Bill Pay
Users can take a photo of their bill and
the app will upload all the necessary
billing information so they can set up a
one-time or recurring payment in a
matter of moments.

12. Branch/ATM Locator
Users should be able to locate your
financial institution’s branches and
ATMs based on either their current
GPS location or a search function. It’s
helpful to list what services each
location provides — e.g., ATMs that
accept deposits.

13. Personal Financial
Management Tools
(PFM)
View, aggregate and manage money
with goals, spending alerts, spending
categories and visual tools.

14. Safe to Spend
It’s one thing to know your “available balance” which can be
misleading and result in reckless spending. Users should be
able to know how much they have left after their scheduled
bill payments, pending transactions and savings goals have
been accounted for.

15. Receipts
Users can take photos of receipts to
help them keep track of expenses. This
really only works if you are offering
PFM as well.

16. Person to Person
Payments
Quickly and securely transfer money to
anyone at any time using just their
mobile phone number or email address.

17. Travel Notification
Users can quickly let their financial
institution know they will be traveling.
All it takes is a swipe or tap.

18. Personalization/Customi
zation
Users can quickly view a list of their
most frequent actions (e.g., a shortcut
listing recurring bill pays). They can
customize their dashboard, menu or
interface to suit their needs/situation.
They can personalize their profile, with
a nickname and photo.

19. Credit Monitoring
The app displays the user’s credit score,
updated monthly.

20. Mobile Photo Account
Opening
A user can snap a picture of their
driver’s license and be on their way to
opening a new account in less than five
minutes. It’s a handy feature when the
need arises, but one that will probably
be used fairly rarely.

21. Wearables Integration
Users can customize their settings to receive
various alerts and notifications related to their
accounts and/or spending patterns.

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