When asking my interviewees about how they use their banking apps, I found out that they use them in a variety of ways – many of these uses mirror the ways they have used traditional banks in the past (making deposits, checking balances, issuing money transfers, etc.).
However, I found that younger users use their banking apps to keep track of their spending. Users would do this by keeping a log of their purchases and financial transactions. They tended to use their banking app as a running "feed" of their finances. But for transactions that did not occur in the last week or so, many users had trouble finding specific entries. This seemed to occur especially with Bank of America’s web and mobile services, which does not offer search services beyond a simple text search.