Last year, Matt Mullenweg (of WordPress fame) thought out loud about a bank he’d love to set up. Matt’s bank would focus on safety, ‘Google-like’ simplicity, ‘white-glove’ customer service – and be usable with the tools of today.
… At the very beginning… make it invite-only, which will create a buzz and also allow you to give amazing white-glove service to the initial customers, who will in turn tell their friends… There would be only one style of checks and debit cards and they’d need a distinctive design so if you saw one you’d say, “What’s that?” which would then start the whole conversation again about how SafeBank is different.
Also,
… old-time vintage design aesthetic combined with a Google-like simplicity and attention to speed. All logins would be two-factor, with the default being it’d SMS you a one-time code to log in… a big part of the website would be the blog… few cool saving or home tips each week, it would cover at least one financial industry story a day.
BankSimple is an easy, intuitive, and social bank for people who appreciate simple online services. Unlike other banks, we don’t trap you with confusing products nor do we charge any hidden fees. No overdraft fees. We use sophisticated analytics to help you better manage your finances by providing you a individualized service, catered to your needs and goals.
A consumer can do anything with a Windows PC or Mac… the iPad operates very differently. [It] works more like a jukebox than a desktop — consumers choose (and pay for) applications from a predetermined set list. Each of those applications is, in itself, also curated; the publisher selects content and functionality that’s appropriate to the form factor, just as a museum curator selects artworks from a larger collection…
Rubbish. ‘Curated computing’ has been Apple’s design philosophy for all this decade – that’s only now making its way into industry consciousness.
But it’s a good thing.
If anything, it indicates mobile manufacturers hitting reality. In the short years after the realization that people wanted to ‘do more’ with their phones, manufacturers packed in as many features as they could. A few really took off (cameras, music players, even email), and most others just didn’t (bluetooth, mobile office packages, bar-code readers).
In another way, it’s a sign of the industry beginning to mature. Even as hardware has gotten more capable (faster processors, storage, memory, larger displays, touch-screens) and networks have invested massively to build capacity, there’s a discernible trend to do less better. Manufacturers are (belatedly?) realizing that a mobile device isn’t a smaller personal computer, but something ‘very personal’. And that very personal is very different from personal.
Which is also why everyone in the industry wants ‘vertical integration’ – control over the hardware, operating system, software platform, applications/content, and network. It’s so that having bet on what (limited) tasks a device will perform, a manufacturer has greater control over the quality of what the customer experiences.
Expect, in the next couple of years, for all major smartphone players (in addition to Apple, RIM, Google) to create (curate?) really great out-of-the-box experiences for the 20% of tasks that matter most – email, web browsing, facebook/twitter updating, maps, and playing music/movies (yes, better than what we’ve seen). Expect new devices to ship with fewer radios and sensors, and very few basic applications out-of-the-box. All other features and applications will be available via an App Store, to which there will be a prominent link on the home screen.
If this sounds very much like what Apple’s been doing with iPhone all along, of course you’re right. Forrester’s just woken up, declared it a trend and slapped on an alliteration.
