# Appified Finance 2.0 Banks chase next generation customer satisfaction with vanguard app features. By [Rebecca Byers](https://www.trendhunter.com/becbyers), Insights Research at Trend Hunter | Published Dec 15, 2015 | Category: [Tech](https://www.trendhunter.com/pro/category/technology-trends-and-gadgets) Source: Trend Hunter, https://www.trendhunter.com/protrends/appified-finance-20 ## Key Figures - Trend score: 3.2/10 - Evidence articles: 5 ## What is the Appified Finance 2.0 trend? **Appified Finance 2.0:** Banks are staying competitive by incorporating vanguard technological features into their mobile banking apps as younger consumers become more comfortable using biometric technology that streamlines login and use of the application. Not merely effective in increasing customer satisfaction, such innovations also speak to concerns around security, with personalized login features a means of making paranoid customers feel safe about exchanging information through online and mobile applications while also serving to engage Millennials in a more intuitive way. ## At a Glance - Evidence: 5 featured examples - Articles from: Jan 11 to Oct 1, 2017 - Published: Dec 15, 2015 - Patterns: [Reduction](https://www.trendhunter.com/pattern/reduction), [Acceleration](https://www.trendhunter.com/pattern/acceleration) - Megatrends: [Instant Entrepreneurship](https://www.trendhunter.com/megatrend/instant-entrepreneurship), [Gamification](https://www.trendhunter.com/megatrend/gamification), [Artificial Intelligence](https://www.trendhunter.com/megatrend/artificial-intelligence) ## Audience - Gender: 50% men, 50% women - Primary generations: Gen Z, Millennial, Gen X - Top markets: North America, South America, Europe, Asia ## Themes within the Appified Finance 2.0 trend ### Biometric Login Banking apps are incorporating biometric technology into their systems to streamline login and secure customer information, presenting opportunities for companies to develop biometric solutions for other industries such as healthcare or retail. ### Mobile-only Banks The rise of app-only banks, designed to cater to the unbanked population or frequent travelers, presents opportunities for financial institutions to develop user-friendly, smartphone-based banking systems and expand their customer base. ### Integrated Finance Management All-in-one finance apps, such as Empower, are targeting millennials who want to manage their finances in one place, which presents opportunities for companies to develop finance apps with financial planning features that also integrate with their customers' banks. ## What the Appified Finance 2.0 trend means for industry ### For Healthcare Biometric technology used in mobile banking can be applied in healthcare, such as biometric patient identification and secure medical record storage systems. ### For Travel and Hospitality Mobile-only banks designed for frequent travelers present opportunities for the travel industry to integrate banking and travel services, such as travel insurance, foreign currency exchange and itinerary planning, in one app. ### For Small Business and Freelance Freelance finance apps like Tycoon present opportunities for companies to develop integrated business management platforms with finance tracking features to empower small business owners and freelancers. ## Workshop question How does your next customer want to interact with you? ## Trend signals for Appified Finance 2.0 Trend score 3.2 out of 10, from popularity 54%, activity 35%, freshness 8%. - Popularity: 54% - Activity: 35% - Freshness: 8% ## Examples of the Appified Finance 2.0 trend 5 featured examples from Jan 11 to Oct 1, 2017. - [Freelance Finance Apps](https://www.trendhunter.com/trends/freelance-finance): The Tycoon App Helps Digital Nomads and Remote Workers Track Jobs (Category: Lifestyle) Implication: Disruptive innovation opportunity: Develop innovative finance apps and platforms that cater specifically to the needs of freelancers, providing tools for income tracking, tax mana… - [Instantaneous Banking Apps](https://www.trendhunter.com/trends/monzo): 'Monzo' is an Online Bank That is "Built for Your Smartphone" (Category: Tech) Implication: Disruptive innovation opportunity: Developing online banking platforms that are user-friendly and built for smartphones. - [Nomadic Finance Apps](https://www.trendhunter.com/trends/combine-app): The Combine App Makes Banking Easier for Frequent Travellers and Expats (Category: Tech) Implication: The banking and financial technology industry can leverage the nomadic finance app trend to develop cutting-edge solutions that simplify cross-border financial management. - [Empowering Finance Apps](https://www.trendhunter.com/trends/empower-app): The Empower App is Designed to Help Millennials Manage Their Money (Category: Tech) Implication: The banking industry can benefit from developing integrated finance apps to appeal to younger generations. - [App-Only Banks](https://www.trendhunter.com/trends/now-money): NOW Money Provides Affordable Services to Unbanked Migrant Workers in the UAE (Category: Lifestyle) Implication: Fintech companies can utilize app technology to serve the unbanked population. ## Recent trend clusters - [Delegated Interfaces](https://www.trendhunter.com/protrends/delegated-interfaces) (Tech) - [Adaptive Controls](https://www.trendhunter.com/protrends/adaptive-controls) (Tech) - [Desk Systems](https://www.trendhunter.com/protrends/desk-systems) (Tech) - [Spatial Refinement](https://www.trendhunter.com/protrends/spatial-refinement) (Tech) ## Trending in Tech - [Decor-Led Home Projectors](https://www.trendhunter.com/trends/decor-led-home-projectors) - [Accessible Fintech Pop-Ups](https://www.trendhunter.com/trends/chequing-account) - [Dual-Wavelength Recovery Wearables](https://www.trendhunter.com/trends/joint-therapy) - [Pop-Culture WiFi Routers](https://www.trendhunter.com/trends/pop-culture-wifi-routers) All articles: [Tech](https://www.trendhunter.com/tech)