Is it difficult to build a feature within communication apps (Email, Chat, DM's etc.) to have a "Time Zone" tag? Similar to a contact tag in email, for example.
The "Time Zone" tag can automatically display the local time of sender or receiver. I know there are tools that can convert time for you and use additional extensions etc. But why not bake it as a feature within such communication apps as scheduling is so important?
On the backend, I agree, there's ample much to be done to upgrade legacy banking systems and has its own challenges (opportunities).
What features or products, are you as a user, looking for in a neo/challenger bank that will significantly improve your banking experience? What will create a differentiated banking experience between neo/challenger banks. I cannot seem to think of many, honestly.