In the same boat... was a 920 user, got 1020, got my dad a 1020, got my wife an 830... Sadly, the app gap is the only thing holding this OS back. There have been admirable changes, but it's not enough. I don't have a banking app, and the official freebie apps from my carrier are iOS / Android only as well. I'll likely be selling my 1020 on kijiji and getting a GS6edge when it drops in price around fall. Sad to leave, as I was on Android for all my previous smartphones (Nexus One and Galaxy Nexus) and I far prefer the Windows experience, but developers don't take MS seriously so the app problem will likely never be fixed :\