Make the most important jobs feel effortless
The app changes most likely to support continued use are the ones that remove friction from the jobs users return to do. Focus on the journeys where people need to check something, complete something or solve a problem quickly. Clear navigation, fewer steps and less effort can make a digital experience feel more useful than a long list of new features.
Usability is not the same as visual polish. A polished interface can still create cognitive load if people cannot find the right action or understand what happens next. Prioritise the core tasks that users repeat, then simplify the path to completion. Trust and reliability also matter: users are more likely to return to an app that works clearly, handles their information responsibly and communicates in plain language.
Sources: All the way to the bank: why we should be paying attention to Monzo and the fintech revolution