The document discusses a study by The App Business (TAB) that evaluated the mobile banking apps of major UK banks. TAB tested the apps against 9 common banking tasks and found that the apps generally failed to help users achieve their desired outcomes in an easy and seamless manner. For example, apps did not allow users to easily track spending, pay others back, or understand their financial products and fees. TAB believes banks are missing opportunities to improve customer experience and that one app integrating data from multiple banks could significantly enhance usability and transparency. TAB advocates that banks focus on clear customer outcomes to develop truly excellent mobile products.