Discover who's leading the banking & FinTech mobile app market in the UK. This free benchmark report from AT Internet outlines the top 10 banking apps in the UK market. For more benchmarks and studies from AT Internet, visit: http://www.atinternet.com/en/resources/surveys/

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THE BANKING & FINTECH APP MARKET
IN THE UNITED KINGDOM
BENCHMARKS & ANALYSES – JUNE 2016
In partnership with

2. 2
INTRODUCTION
Rankings and trends in the UK’s banking & FinTech app market
According to data from the BBA, the leading trade association for the UK banking sector, customers were expected
to use mobile phones to check their accounts 895 million times in 2015. By 2020, the BBA forecasts that customers
will use mobile phones to manage their current accounts 2.3 billion times, which is more than Internet, branch and
telephone banking combined.
The second edition of “The Way We Bank Now”, a joint report by the BBA and EY, published in June 2015, reveals that:
By the end of March 2015 alone, UK customers had downloaded 22.9 million banking apps – an increase of
8.2 million in just one year.
9.6 million logins to Internet banking services per day were recorded in March 2015 – a 10% increase over
the previous year.
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 236 applications published by major banks and FinTech groups in the United
Kingdom for the two predominant operating systems (iOS, Android) in April 2016.
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

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TOP 10 BANKING & FINTECH APPS (ANDROID)
Ranking by number of ratings (UK - April 2016)
Lloyds Bank PLC
TSB Bank Plc
To better understand each performance indicator, please refer to the Methodology section on page 15.

4. 4
TOP 10 BANKING & FINTECH APPS (IOS)
Ranking by number of ratings (UK - April 2016)
To better understand each performance indicator, please refer to the Methodology section on page 15.
Barclays Bank Plc
TSB Bank

5. 5
TOP 10 IN TERMS OF NUMBER OF RATINGS
Barclays comes in first on Android
#1 in the Top10 on Android, the Barclays Mobile Banking app is the mobile banking app with the most ratings in the
United Kingdom. On iOS, RBS’ NatWest application has taken the #1 spot in terms of number of ratings in April 2016.
Beyond bank account management apps, this Top 10 list also includes applications offering financial and stock
market news, money transfers, and personal finance management.
Amongst the account management apps, we see the main banking groups present in the UK, notably Barclays, RBS,
HSBC, TSB and Lloyds.
A summary of the Top10 banking and FinTech apps for Android:
The best-rated: Investing.com’s financial market news app, and banking apps from Lloyds, Halifax and TSB have
earned the same score: 15.6/20
Greatest growth in number of ratings: the personal finance management app “Spending Tracker“, with 5.8% growth
in April 2016
Greatest change in app NPS: Investing.com’s financial market news app, with 62.8% growth
A summary of the Top10 banking and FinTech apps for iOS:
The best-rated: the banking app “mybarclaycard“ and money transfer app “TransferWise Money Transfer“, with a
score of 16.3/20
Greatest growth in number of ratings: TransferWise, with 5.2% growth in April 2016
Greatest change in app NPS: TransferWise, with 82.1% growth
FOCUS on app insights >> Barclays Mobile Banking, the bank account management app, stands out as the most-rated
on Android in April 2016.

6. 6
APP INSIGHTS: FOCUS ON
BARCLAYS MOBILE BANKING
Barclays Mobile Banking
With more than 80,000 ratings in April 2016 on Android, the Barclays
Mobile Banking app stands apart in the UK’s banking app market.
Barclays’ account management app is popular with its users, thanks to the
importance it places on security and simplicity of use.
OBSERVED
INNOVATIONS
P2P payments and transfers
made easy
Loyalty programme with
rewards that can be used with
partners in the SmartSpend
programme
Secure download of financial
documents onto Barclays’
CloudIt cloud storage
PINSentry password generator
Personal and professional
accounts in a single app

7. 7
TOP 10 BANKING & FINTECH APPS (ANDROID)
Ranking by change in number of ratings, in % (UK - April 2016)
INVESTING.com
MH Riley Ltd
To better understand each performance indicator, please refer to the Methodology section on page 15.

8. 8
TOP 10 BANKING & FINTECH APPS (IOS)
Ranking by change in number of ratings, in % (UK - April 2016)
Barclays Bank Plc
Lloyds Banking Group
To better understand each performance indicator, please refer to the Methodology section on page 15.

9. 9
TOP 10 IN TERMS OF CHANGE IN NUMBER OF RATINGS
TransferWise sees dynamic change
Apps on Android that saw the highest rate of change in number of ratings are quite varied, whereas in the rankings
for iOS, bank account management apps remain in the large majority.
A summary of the Top10 banking and FinTech apps for Android:
Greatest change in number of ratings: Revolut, with 16.2% growth in April 2016
The best-rated: TransferWise, with a score of 16.3/20
Greatest change in app NPS: TransferWise, with 71.6% growth
A summary of the Top10 banking and FinTech apps for iOS:
Greatest change in number of ratings: TransferWise, with 5.2% growth in April 2016
The best-rated: TransferWise, with a score of 16.3/20
Greatest change in app NPS: TransferWise, with 82.1% growth
FOCUS on app insights >>
TransferWise Money Transfer, best-rated app (in terms of DA Score), shows the greatest change in app NPS on
Android and on iOS.
Revolut saw a remarkable increase in number of ratings – 16.2% growth in April 2016 on Android.

10. 10
APP INSIGHTS: FOCUS ON
TRANSFERWISE
TransferWise Money Transfer
With an average score of 4.9/5 on iOS and a 29% increase in number of
ratings over 3 months, the “TransferWise Money Transfer“ app stands out in
the banking & FinTech sector.
Developed in 2011, TransferWise is a recognised FinTech start-up in the
European market and has revolutionised the international money transfer
market, notably thanks to peer-to-peer transactions, which allow users to
avoid various fees and therefore reduce transfer costs.
OBSERVED
INNOVATIONS
Transfer money to another
country, in the most efficient
currency
90% cheaper than banks: fees
of 0.5%, versus fees of between
3% and 5% (arbitrary exchange
rate, commission...) for banks
Use P2P to avoid extra fees
Very fast transfer method with
payment by card

11. 11
APP INSIGHTS: FOCUS ON REVOLUT
Revolut
Revolut is a truly disruptive innovation in financial services. By offering a free,
multi-currency card enabling users to pay or withdraw money abroad (or
online) with NO EXCHANGE FEES, Revolut is looking to revolutionise today’s
banking practices.
OBSERVED
INNOVATIONS
Sign up and order the card
using the app
Card for multi-currency pay-
ments and withdrawals, with
no exchange fees
Get access to best exchange
rates via Interbank
P2P money transfer via social
networks, email or SMS
Card can be blocked and
unblocked using the app
PIN can be changed using the
app

12. 12
METHODOLOGY
Tracking methods and explanation of main
analysis indicators

13. 13
SOURCE OF BENCHMARK DATA
Decode Apps monitors the banking app market worldwide
1
2
stores
55
countries
5,338
banking
apps
Custom benchmarking
and monitoring solution
for app markets in each
business vertical

14. 14
BENCHMARK AND ANALYSIS METHODOLOGY
We track all apps in the UK banking sector
236
banking apps
in the UK
KPI
categorisation &
analysis
Top 10 apps Analyses
Our consultants identify
apps and key players in
the UK 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 %)

15. 15
KEY INDICATORS ON TREND REPORTS
Presentation of main data and analysis metrics
App Name
Rating
N°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

16. 16
OUR APP ANALYTICS SERVICES
Discover our “all-in-one“ offer

17. 17
KEY INDICATORS USED IN TREND REPORTS
Explanation of main data and analysis metrics used
ALL IN ONE
Manage performance of all your apps
in a single dashboard
Store data
In-app analytics
Benchmarking
App Store Optimisation (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)
3M+ applications continuously audited, across
more than 60 countries

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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 + 3 millions apps worldwide, Decode provides
custom and essential market insights to empower your mobile
strategy. Founded in 2010 by two start-up experts turned consultants,
with more than 15 years of pure player experience, 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