One of the strangest things about the iPhone is how many web based apps people are building, when you think that it comes fully loaded with Safari and full web browsing capability (aside from flash), why an App version of what you can do in Safari?
The answer is of course, an App version is usually stripped down to the bare minimum and if you want the full version, then of course just go to the web to play there. This is possibly too true of the National Bank (New Zealand) iPhone App. It’s so stripped down, you more or less can’t do anything except view balances. But then again, that is the beauty of an App, it’s fast, it’s stripped down and it’s just so easy to use. Of course at this stage if you want to do anything more fun, a wi-fi network shouldn’t be the place to say send $1,000,000 to your secret Swiss account.
Given functionality, this will be fun. For a pointer as to what it could be, we need only to look at the most innovative bank in NZ, Kiwibank. They’ve gone and developed a very nice webapp.
As pointed out KiwiBank has a webapp version of it’s banking, and the subtle difference between a web app and installed iPhone app may be too small to have to worry about, but it is different. The KiwiBank webapp is much nicer interface and of course has full functionality – all I need now is a KiwiBank account – oh and some money.
ASB also has a webapp version for their clients.
This ties in nicely with this article about the potential for the iPhone and the format of iTunes payment for the iPhone as a micro payment platform.
Take that a step further, as we all know the iPhone is essentially a mobile computer (without cut and paste yet), it has the hardware platform and an evolving OS (all the ingredients for a mobile computer), the potential for payment and purchasing via mobile computing at this stage (security issues aside) is only just beginning and at this stage is limitless.