Or an app which can tap into your key life moments (such as getting engaged), automatically recognise these, and offer personalised financial advice for those moments that matter. These are just two of the very prototypes our teams came up with.
Our winning app, DOSH, combined exceptional use of APIs with striking design and slick user experience. Instead of listing your transaction history chronologically like a normal mobile banking app, DOSH groups transactions together by organisation with your favourites on top. No more having to scroll down to check previous transactions. Over time DOSH then learns from your social media what interests you and adapts to make your banking experience even more convenient. What’s more, DOSH has an intuitive predictive search function to help you find specific transactions or payees with utter ease.
I was immensely proud watching the teams at work, bouncing ideas off each other and working late into the night. You could sense the excitement as they raced against the clock to develop the most innovative and immersive apps. It may be some time before the Open Banking directive comes into full effect, but we’re already looking into how some aspects of these prototypes could be embedded into our Mobile App. It’s an exciting time to be working in Nationwide’s Innovation Lab and I look forward to sharing more developments with you.