Nobody will use banking apps on their desktops, so will the banks be interested or not?
Don't get me wrong, I'd LOVE to see app parity across platforms (cough) Facebook (cough)... But what is the incentive for iOS and Droid developers to add yet another overhead to their process? It's not to get apps into the WP marketshare. Would it be to get into the Windows 10 (desktop) marketshare? If that's the path, aren't the apps there already (for all intents and purposes)?
Let me answer both of these with another quote:
Why not ? Its 2015, I could see the bank app work for desktop. How ? NOTIFICATIONS. Similiar to Windows email notifications in upper corner. It would notify you about payments and other stuff. Its not a bad idea.
Yeah, I'd use the banking app. Imagine I could get a notification if my balance falls below a certain amount, right on my desktop while I'm working! Or that a payment ACH has been issued. I could "track" certain payees and be notified when payments are made.
Imagine Facebook notifications when someone comments on a photo you posted. Yeah, I would use a Facebook app for W10 if it was done right, on Desktop. I would also use the banking app.
Imagine, for example, I'm on a business trip and I am 500 miles from my local bank. I get a check for payment and need to make a deposit. Back at the hotel room, I just hold the check up to my laptop camera and deposit the check through the banking app in W10. This actually happened to me last year, and I had to wait until I got home to deposit the check, due to the fact that the bank did not have a branch where I was on vacation. An app would have saved me a lot of headache, because you can't deposit checks using the web site.
Notifications and integration with Cortana make apps for the desktop very attractive to me. Imagine I am about to go out to dinner on a nice date. Before I get up from my computer to go get dressed, I just say, "Hey, Cortana! What's the current balance in my checking account?" She then gives me the available balance so that I don't get embarrassed at dinner. THAT kind of app is possible with Windows 10.
This is the future. People are going to love that type of integration so much that many people will begin using apps, I believe. Windows 8 didn't give much reason for people to write apps for it, because there just aren't that many Win8 users. Windows 10 will be different.