iPhone Innovation from USAA

The iPhone all the rage.  And many of the apps are entertaining, but lack "valuable" innovation.  It is fun to have a light sabre, zippo lighter and bubble wrap on your iPhone.  But is that innovation?  While it is entertaining, I struggle to call it innovation.  But I recently saw an announcement of an upcoming app from USAA that demonstrates some interesting innovation.

Imagine being able to deposit a check via your iPhone- yes, you heard me right.  By taking a photo of both sides of the check and submitting to USAA, you can deposit the check. No need to take it to the bank.  Now that assumes you are a customer of USAA and you are approved to perform the function.  Check out the detail here. 

So, while there is great anticipation in waiting for the next fun app, maybe something really important, like a pet rock (ok, if you are not old enough to know what I am talking about check it out -- and if you are old enough, admit it if you had one).  But thankfully there will continue to be valuable innovation.

Great job USAA!

Comments

[Jason]

As far as I know USAA was the first (and maybe still the only?) bank to offer the ability to deposit checks online; they call it Deposit@Home. That, in itself, is/was revolutionary, but by taking it one step further and making the process mobility-enabled is setting the bar pretty high for their competitors. USAA has been my bank for years and I'm continually amazed at the innovative products they produce.

Are there any other banks trying to differentiate themselves by producing these "cool" features/products?

[Larry Freed]

USAA, which has historically been known for a great service organization. Adding innovation to their strenghts makes them tough to beat.

Other banks are trying to use innovation to differentiate, but it is often a difficult road to travel for large banks. That means it is a great opportunity as a differentiator for those that can pull it off.

-Larry

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Although the concept of checks is rapidly becoming only a memory...USAA continues to impress me on many fronts. This is an excellent example of innovation in financial services.

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I read this article and think your post is terrific. Bank of America can’t even figure out how to transfer funds internally between their organization and a customer account…forget being able to deposit without ever visiting a branch or ATM or having to mail in the check. USAA is leaps and bounds ahead of BofA.

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Is the IPhone bad for innovation? According to Harvard Law professor Jonathan Zittrain…Yes. In this compelling video from BNET, Zittrain walks us through the flow of innovation and demonstrates that while you may have the amazingly wonderful IPhone and I may have a dazzling app for it, we won’t be interacting without first identifying ourselves to Apple and gaining approval. He also reminds of some other innovative new platforms where unlike a truly open market a corporation still controls all engagement.

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Although the concept of checks is rapidly becoming only a memory...USAA continues to impress me on many fronts. This is an excellent example of innovation in financial services.

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I haven't walked into a "Bricks and Mortar" bank in a decade thanks to USAA and its technological lead over the competition
Now if we can get an App for the Palm OS (Pre)...

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This is the best company I have ever done business with. This is the only company I really trust to do the right thing. I trust USAA with my life ins, cars ins, checking, savings, homeowners ins. Excellent service, what else can I say? Congrats Mr. Robles, you run a great company.

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I am a member living in Germany and recently downloaded the iPhone app. I have to say it is Awesome! Talk about convenient, thanks USAA for making life a little bit easier every day!

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I had to take a second to write and thank you for introducing me the information. Keep up your good work.

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Although the concept of control is fast becoming a memory ... USAA continues to impress me on many fronts. This is an excellent example of innovation in financial services.

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Although the concept of control is fast becoming a memory ... USAA continues to impress me on many fronts. This is an excellent example of innovation in financial services.

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I read this article and think your job is fantastic. Bank of America can not even imagine how to transfer funds internally between your organization and a customer account ... forget to place without having to visit a branch or ATM or having to mail the check. USAA is leaps and bounds ahead of Bank of America.

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It also reminds other new and innovative platforms where unlike a truly open market a corporation still controls all commitment.

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You can have the iPhone and amazingly wonderful that you can have a dazzling application for him, we will not be in contact Apple without identifying ourselves and get approval.

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IPhone is bad for innovation according to Harvard law professor Jonathan Zittrain.

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Are there other banks trying to be different from the production of these 'cool' features and products? Actuaries are professionals who employ actuarial science, which is based in mathematics primarily probability and statistics.

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Other banks are trying to use innovation to differentiate, but is often a difficult path to travel to the big banks. This means it is a great opportunity as a differentiator for those who can do it. -Larry I heard you would be doing at least 10 concerts throughout the year. Why there are only so few here? Aren't the dates been confirmed yet?

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Although the concept of control is fast becoming a memory ... USAA continues to impress me on many fronts. This is an excellent example of innovation in financial services. I like the sweet photos. Good luck for both of them.  They should take it easy with the updates. Thank you.

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I read this article and think your job is terrible. Bank of America I can not even find a way to transfer funds internally between your organization and a customer account ... including the possibility of storage without having to visit a branch or ATM or having to mail the check. USAA is by leaps and bounds ahead of Bank of America. In networking, there's one matter in choosing a server. Sometimes with a wrong specification of the stuff, they cannot get a good result on it.

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