The document provides analysis of the top banking and FinTech apps in the United States based on benchmarks from July 2016. Some key findings include: - Chase Mobile was the most rated banking app on Android and among the top apps for growth in ratings on both Android and iOS. - Venmo saw the greatest increase in app satisfaction scores on both platforms and received high ratings for its social features that are differentiated from other payment apps. - Personal finance apps like QuickBooks Self-Employed and Schwab Mobile experienced strong growth in ratings in July 2016 on Android and iOS respectively.

1. 1
THE BANKING & FINTECH APP MARKET
IN THE UNITED STATES
BENCHMARKS & ANALYSES – JULY 2016
In partnership with

2. 2
INTRODUCTION
Rankings and trends in the US banking & FinTech app market
According to a Federal Reserve Board report (with GfK’s KnowledgePanel®)*, 53% of US smartphone owners with a
bank account used mobile banking in 2015.
The most common use of mobile banking is to check account balances or recent transactions (94% of mobile banking
users).
Among mobile banking users, transferring money between an individual’s own accounts (61%) and receiving an alert
(e.g., a text message, push notification, or e-mail) from their bank (57%) are the second- and third-most common
uses of mobile banking.
Online banking is still America’s most popular banking method, but mobile banking continues to grow, according to
a recent survey by the American Bankers Association**. Mobile banking is now preferred by 12% of consumers, up
from 3% just five years ago.
AT Internet, a global leader in digital analytics, has partnered with Decode Apps, a specialist in app benchmarking
and monitoring, in order to create a series of reports providing unique insights and key stats about market trends
per business vertical.
For this report, we’ve benchmarked 355 applications published by major banks and FinTech groups in the United
States for the two predominant operating systems (iOS, Android) in July 2016.
* http://www.federalreserve.gov/econresdata/consumers-and-mobile-financial-services-report-201603.pdf
** http://www.aba.com/Press/Pages/081115MobileBankingSurvey.aspx
The Mobile & Multi-device R&D project has been co-financed in part by the European Union with funds
from the ERDF, and in part by the Region of Aquitaine

3. 3
TOP 10 BANKING & FINTECH APPS (ANDROID)
Ranking by number of ratings (USA - July 2016)
To better understand each performance indicator, please refer to the Methodology section on page 11.

4. 4
TOP 10 BANKING & FINTECH APPS (IOS)
Ranking by number of ratings (USA - July 2016)
To better understand each performance indicator, please refer to the Methodology section on page 11.

5. 5
TOP 10 IN TERMS OF NUMBER OF RATINGS
The Chase Mobile app dominates on Android
Sitting at #1 of the top 10 apps for Android, the Chase Mobile app is the most-rated mobile banking app in the United
States on this OS. On iOS, Mint’s personal finance app, Money Manager, is in first place, right in front of the Chase
Mobile app, in terms of number of ratings in July 2016.
Banking apps are multiplying and becoming more specialized: bank account management apps – the large majority –
are found alongside apps for personal wealth management, online payments, credit monitoring, bill payments, and
more…
Among account management apps, we see some of the US’ major banking groups, notably JPMorgan Chase, Bank of
America, Capital One, and Wells Fargo...
Summary of the top 10 banking and FinTech apps on Android:
The best Decode Apps score: Chase Mobile, Capital One Mobile, PayPal and Credit Karma all received the same
score: 16.9/20
Greatest growth in number of ratings: Chase Mobile’s account management app, with 8.5% growth in July 2016
Greatest change in app NPS: the Credit Karma credit monitoring app, with a 71.7% increase, followed closely by
Chase Mobile (increase of 69.8%)
Summary of the top 10 banking and FinTech apps on iOS:
The best Decode Apps score: the Capital One Mobile banking app, with a score of 16.9/20
Greatest growth in number of ratings: Chase Mobile (iPad) with 6.6% growth in July 2016
Greatest change in app NPS: Credit Karma with an increase of 80.2%
FOCUS on app insights >> Chase Mobile, bank account management app, is #1 in terms of number of ratings on
Android in July 2016, and #1 in terms of growth in number of ratings on both OS.

6. 6
APP INSIGHTS: FOCUS ON
CHASE MOBILE
Chase Mobile
With more than 700,000 ratings in July 2016 on Android, the Chase Mobile
app is by far the most popular bank account management app in the US.
Main features available: account monitoring, banking transactions, contact
the bank, alerts and credit card management.
OBSERVED
INNOVATIONS
Pay bills and credit cards
Send and request money
with Chase Person-to-Person
QuickPaySM
Deposit checks with Chase
QuickDepositSM
: camera
permissions are needed
Secure Message Center

7. 7
TOP 10 BANKING & FINTECH APPS (ANDROID)
Ranking by change in number of ratings, in % (USA - July 2016)
To better understand each performance indicator, please refer to the Methodology section on page 11.

8. 8
TOP 10 BANKING & FINTECH APPS (IOS)
Ranking by change in number of ratings, in % (USA - July 2016)
To better understand each performance indicator, please refer to the Methodology section on page 11.

9. 9
TOP 10 IN TERMS OF CHANGE IN NUMBER OF RATINGS
Strong upward movement for Venmo, mobile payment/P2P app, in July 2016
On both Android and iOS, the applications with the strongest growth in terms of number of ratings in July 2016 are
personal finance management apps: QuickBooks Self-Employed on Android and Schwab Mobile on iOS.
A summary of the Top 10 banking and FinTech apps for Android:
Greatest change in number of ratings: QuickBooks Self-Employed with 14.2% growth in July 2016
Best DA score: Venmo and Capital One Wallet, mobile payment/P2P apps, with scores of 17.5/20
Greatest change in app NPS: Venmo with an increase of 73.3%
A summary of the Top 10 banking and FinTech apps for iOS:
Greatest change in number of ratings: Schwab Mobile with 50.5% growth in July 2016
Best DA score: Venmo with an excellent score of 18.1/20
Greatest change in app NPS: Venmo with an increase of 65.5%
FOCUS on app insights >> Venmo, best-rated app (in terms of Decode Apps Score), which also saw the greatest
change in app NPS on both Android and iOS.

10. 10
APP INSIGHTS: FOCUS ON VENMO
Venmo, a PayPal service
With the greatest change in app NPS in July for both Android and IOS, and an
excellent DA score (18.1 on iOS), the Venmo app has burst onto the mobile
payment/P2P scene.
Created in 2009, and purchased by PayPal in 2013, Venmo allows for payments
to be made between individuals, without additional fees and restrictions, in
a social network format. The app has become so popular in the US that its
name has even become a verb: “Just Venmo me”
OBSERVED
INNOVATIONS
True differentiation: works like
a social network (ex: add emo-
jis when thanking and paying
a friend for lunch, and sharing
the message with a group)
Launching a payment service
for e-commerce apps
Make and share
payments
Request money from
multiple people at once
See payments your
friends share
Have fun with
friends on Venmo

11. 11
METHODOLOGY
Tracking methods and explanation of main
analysis indicators

12. 12
SOURCE OF BENCHMARK DATA
Decode Apps monitors the banking app market worldwide
1
2
stores
56
countries
7,063
banking
apps
Custom benchmarking
and monitoring solution
for app markets in each
business vertical

13. 13
BENCHMARK AND ANALYSIS METHODOLOGY
We track all apps in the US banking sector
355
banking apps
in the US
KPI
categorization &
analysis
Top 10 apps Analyses
Our consultants identify
apps and key players in
the US sector
Automatic retrieval and
aggregation of all market
data
Selection of one innovative
app per top 10
Analysis of app and
selection of key features
Writing of App Insights
analysis notes
Number of ratings
Change in number of
ratings over 1 month
(expressed as a %)

14. 14
KEY INDICATORS ON TREND REPORTS
Presentation of main data and analysis metrics
App Name
Rating
#1
Country
Evol ratings
(value)
Evol ratings
(%)
Apps
NPS
Nb of
ratings
OS Group Type
App ranking,
based on the
selected criteria
App name and publisher name data is retrieved
from app stores
Cross-store unification with our meta-app-name
procedure
Cross-OS aggregation of apps into “Groups“ of
companies, and granular functional segmenta-
tion by “Type“, done by our consultants
Evolution of ratings (value)
= number of ratings obtained over 1 month
Evolution of ratings (%)
= growth rate of number of ratings obtained
over 1 month, 3 months, or 6 months
App NPS
= Net Promoter Score applied to apps
Average rating and total number of ratings
obtained by the app worldwide, or by country
#1 country of distribution
DA SCORE
A proprietary scoring algorithm combining nu-
merous KPIs, including:
Number of ratings, average ratings, growth
trends in terms of value and % around the
world
Ranking of apps in stores
App NPS (App Net Promoter Score)
Plus update rate, user sentiment score…
Rank
da
score

15. 15
OUR APP ANALYTICS SERVICES
Discover our “all-in-one“ offer

16. 16
ALL-IN-ONE OFFER
ALL IN ONE
Manage performance of all your apps
in a single dashboard
Store data
In-app analytics
Benchmarking
App Store Optimization (ASO)
Top app trends by country and OS
Track competitors’ apps worldwide
USER QUALITY
Identify risk points and areas for
improvement
Continuous monitoring of perceived quality
(ratings and reviews) & competitive positioning
User sentiment analysis (available in beta)
Mobile multi-KPIs
BENCHMARKING
Adopt best practices from the market
– and from your competitors
Benchmarking per industry
3M+ applications continuously audited,
across more than 60 countries
MOBILE EXPERTS
Receive analysis and continuous
assistance from mobile experts
15+ years of experience in mobile
(multi-industry)

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About AT Internet
One of the world’s major players in digital intelligence since 1996,
AT Internet helps companies measure their audience and optimise
their digital performance across all channels. AT Internet’s expertise
extends from collecting raw data to processing it in real time and
delivering it for analysis and the sharing of insights. AT Internet’s
analytics solution is used on more than 20,000 sites and applica-
tions around the world, across all industries. With more than 200
employees, the company is present in 32 countries via its customers,
subsidiaries and partners.
About Decode Consulting
With data coverage on more than 3 million apps worldwide, Decode
provides custom and essential market insights to empower your
mobile strategy. Founded in 2010 by two start-up experts turned
consultants,withmorethan15yearsofpureplayerexperience,Decode
is an innovative B2B software editor and consulting firm specialized in
mobile channels. When working on custom benchmarks and studies
for our clients, we realized that the fantastic success of the mobile
applications market was making its permanent watch compulsory,
but that it was extremely complex and time consuming to do that
manually! Decode apps now makes it simple, being the first app
intelligence platform to search cross-store/worldwide, benchmark
and monitor the global Apps market the exact way YOU want!
www.decodeapps.com