All notes
App·2 April 2026·1 min read
The phone is the branch
Onboarding that asks twice, and a card screen that stalls, is how a banking app earns a rating it does not deserve.
People finish a bank on the bus or they do not finish it. A second document upload, or a spinner between the selfie and the first transfer, is the product failing in public.
The app work is biometric onboarding, a session that cannot open a second balance, and a virtual card the customer can see before a branch would have opened.
Orbit Financial is the account we point to. The stores settled at 4.9 because the wait left the flow.
