This is insightful article as for bank APPs.
I would like to count into one more:
1.simple is the biggest beauty. Banks should study what the customers are expecting from the APPs. Easy and handy monney transfer or check out the Ex rate? or find the nearest branch? To focus on the core functionalities and make a smooth consumer experience is the key issue instead of packing everything, every product and every service into one Mobile shell.
If you look into the interface of Westpac APP, you will know what I am talking about.
Kaching is much better, yet still have some space to get improved.