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Millennial-Friendly Banking Apps

Users Can Rate Purchases with Emojis in Goldman and Chase's App

— October 26, 2017 — Lifestyle
Goldman and Chase have introduced a new mobile banking app which positions itself as a finance tool that caters to the needs of Millennials.

The app provides the consumer with complete control over their spending habits, all from the convenience of a digital platform. Through the app, users can automate their savings, putting aside $5 every time they go to a restaurant, or $20 with every pay cheque. Using customized tools, users can reflect on their daily spending and saving habits, while 'rating' each purchase with an emoji, which highlights how the purchase affects the individual emotionally. In addition, users can restrict over-spending by setting up an 'alert,' which notifies the user once they've dipped past a pre-set account amount.

The millennial-friendly banking app demonstrates a thoughtful comprehension of the target demographic, by incorporating a more emotional and personalized digital platform.
Trend Themes
1. Emotional Banking - The incorporation of emojis to rate purchases reflects a trend towards more emotional and personalized digital platforms in the banking industry.
2. Automated Savings - The ability to automate savings based on user-defined rules, such as saving a fixed amount after every certain type of purchase, is a growing trend in millennial-friendly banking apps.
3. Financial Self-reflection - The use of customized tools that allow users to reflect on their daily spending and saving habits is a trend that promotes financial self-reflection and awareness.
Industry Implications
1. Banking - The banking industry can leverage the trend towards emotional and personalized digital platforms and incorporate more customer-centric features.
2. Mobile App Development - The growing demand for millennial-friendly banking apps presents opportunities for mobile app developers to create innovative and user-friendly solutions.
3. Fintech - The fintech industry can explore disruptive innovation in automated savings and financial self-reflection tools to cater to the needs and preferences of millennials.
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