Here is a situation that almost everyone has faced more than once- you are out on lunch with your friends, split the bill and well, you don’t have the cash to pay your share. Then someone foots the bill and you pay them later. But how? And that’s just one of many use cases where you might need to pay someone (generally small amounts) across the table or across the country. That’s where P2P payment apps come into the picture. These are just like regular banking apps except with much lower complexity.
What P2P apps are for?
P2P apps are most suited for non-cash micro-transactions. Like to split all
kinds of bills, rent, while keeping a tab on all your monthly expenses.
How can you use P2P applications?
These are just like
any other banking application where you initially seed your bank account and
then make requite transactions. There are, however, two points worth noting
transact through debit cards only. Some might offer credit card facility but
that would incur additional fees.
Both the sender and
recipient should have the app installed and created an account. Some
applications allow cross-platform transactions in which case the receiver
doesn’t need to have the app.
2. Seed debit card
Then you need to feed your debit card details
and the app would be linked to your concerned bank account.
3. Make payments
All you need to do
is enter the mobile number/email ID of the receipt to send funds. The amount
would be debited from your bank account and deposited in the recipient’s bank
This is the app with
the simplest interface for P2P money transfers. A product of PayPal, it also
has a social feature where it displays who your friends are paying and what
for- which can be disabled if you prefer privacy.
Google Pay Wallet
Like all other Google’s services, this is a free product that integrates well with other Google applications. For instance, it can be used with Gmail to transfer funds
via email without any additional charges.
One of the most
popular and now known as “Square Cash”, can be used to transfer funds at no
additional cost. The application also has a wallet to store funds or you can
directly use your bank account. One of its key highlights is that it can also
be used to buy and sell Bitcoin.
As most of your
friends would already be on Facebook Messenger, it is perhaps the most
convenient way to pay them. Sending money via this app is as simple as sending
a text. There is just one caveat- the receiver must also have linked a debit card
to their Facebook Messenger to be able to receive funds.
Now, this is an app that doesn’t need an introduction. Being the pioneer in digital payments and wallets, the PayPal application is one of the best for P2P transfers. It has an in-built wallet and can even be used to send funds across international boundaries. So why isn’t this app on the top of our list? Well, it’s expensive to use. Along with the usual percent transaction fee, it also levies a flat fee for each of the transfers thus putting off many users.
Apart from these popular apps in the US, there are also other markets like India where P2P payment apps have become immensely popular and extend to P2B transactions as well. In fact, it is currently one of the most revolutionary markets for the fintech sector. So if you wish to build a P2P app, hiring best Indian app developers would yield the best possible results.
The goal of any dating app is to find a
suitable match based on one’s interests, values, and preferences, and different
dating apps use different approaches to achieve that. While some apps are more
overt with the expression of intentions, others use algorithms based on your
profile to come up with the best possible matches.
Still others take an entirely different
route and come up with creative and innovative ideas like taking a personality
test, or sharing movie likes or simply hooking up with people you walk past in
the street. So, what’s so different about Tastebuds?
Founded by Alex Parish and Julian Keenaghan
in 2010, Tastebuds is social networking website with a location-based iOS dating
app that matches people based on their musical tastes. The app can be used on
iPhone, iPad, iPod Touch and your computer with a simple sign up process. Tastebuds
has recently acquired Moosify- a yet another dating app based on music bringing
along 100,000 users with it.
why a music-based dating app
Music is a universal language understood by
one and all. Whether you’re at a disc, a birthday party, an event or a wedding,
music plays an integral part in creating the right ambiance and offers a great
starting point when meeting someone new.
Studies have shown that people affiliate musical taste withholding certain values, and Tastebuds simply taps this power to offer you a common ground to begin the conversation. It acts as a brilliant ice-breaker offering information about someone’s personality in a subtle yet personal way. Hence, your choice of music offers others a little taster of who you are avoiding the awkward small talk.
can music be shared for dating purposes
The success of Tastebuds can be linked to
its unique focus on music and its continuous efforts to add new ways to share
music and connect with people.
Tastebuds helps discover what other users
with similar interests are listening to and has features like sending your
match a mixed tape or appreciating their music taste. It also uses location and
suggests matches near you. Users can also view how many common artists they
have with others.
In 2012, Tastebuds launched a Spotify app helping
users to share tracks and playlists with new people on the music-streaming
To access music on the website, Tastebuds
offers a Youtube powered radio button to listen to the songs posted by other
users with similar music taste and to check out their profiles. Users can send
a song to someone to begin the conversation. When looking for matches, users
can also manually input their favorite bands. Is that all?
something more to Tastebuds
The best part of this dating app is that ‘dating’ here is not a necessary evil. The app can simply help you socialize and meet people with similar tastes. You can even simply explore new music, find concert buddies or friends, and the app is FREE to use and join. Contact us if you want to create a mobile app like Tastebuds.
Tastebuds believes that meeting new people
through music has the potential to mark the beginning of a long-term
relationship. It’s a free-to-use location-based dating app that matches people
based on their music interests and comes with a few monthly premium plans with additional
features. With an easy sign-up process, the app’s user interface is cool and
relaxed without posing any dating compulsions, letting you simply explore and
make new friends.
Technically speaking, mobile apps can be built
it. There is just one caveat- if you are out to build a mobile app in say
Pascal- an almost dead language, you would need to build it from scratch. That
is, you would need to code every single module and API required for your app-
that’s akin to reinventing the wheel over and over again. That’s why no one
If we talk in particular about Android apps, Java was until quite recently the default choice. Then Google extended support to Kotlin as an official language for Android application development. Now the natural question that everyone’s bound to ask is- is Kotlin better than Java? If so, why? If not, why not? Let’s try and answer each of these questions:
With decades of development experience and
millions of developer community behind it, Java doesn’t really need an
introduction. Parts of Android as an OS itself has been written in Java and
given its wide usage, has a very robust community and resource pool.
What makes Java Special?
Java is platform-independent and thus comes in
handy while building cross-platform apps.
Since parts of the Android SDK is written in
Java, there are no compatibility issues.
Being a product of Oracle, it gets regular
Java is fast. It compiles faster than most of
the languages around
Given its maturity, it has got a wealth of
support tools like frameworks, IDEs, libraries, etc.
Problems with Java
Too much boilerplate code
Compilation, at times, is slower
A product of JetBrains, Kotlin dates back to
2011 but it was only in 2017 that it was sponsored by Google as an official
language for Android. Thereafter it has registered an exponential growth in
popularity and user community. The language is completely interportable with
Java that means any Kotlin code you write would be direly compiled to Java
What’s special about Kotlin?
It solves the pain of null errors by including
it in its type system
Much more concise than Java that converts to
fewer lines of code that in turn converts to shorter development time and cost
Includes smart extensions that come in handy
while building APIs
Completely interportable with Java
Problems with Kotlin
Steep learning curve
Relatively non-existent developer community
Kotlin solves two of the most prominent
problems of Java- its verbosity and null errors, something that everything that
every developer would appreciate once they start using Kotlin.
But to start using Kotlin is perhaps the biggest challenge. App development companies who employ the finest of Java developers won’t just spend resources to solve the problems that expect developers are comfortable with anyway. For new developers, the problem is the exact opposite- they suffer from the problems of Java but simply won’t find expert Kotlin developers as a mentor.
This essentially creates the proverbial
chicken and egg problem. Java developers won’t switch to Kotlin until it has a
vibrant community. But it won’t have a vibrant community unless developers
switch to it.
Now that you have better insight into the comparison of Kotlin vs. Java, the answer to which one’s better is as always- it depends. The momentum that Java has built over the years is its greatest strength. It simply is time and resource-consuming to shift entire teams from Java to Kotlin- thus pushing up the cost of Android app development. On the other hand, if you are just starting out, Kotlin is definitely a better bet for the future.
Ever since the advent of mobile apps,
businesses have been trying to integrate them into the formal economy. Be it
shopping, gaming, or simply reading the digital version of newspapers,
everything that was initially available on the internet was pushed into the
mobile domain for wider reach out. And while that strategy has had excellent
results, they have in the process created a whole new segment of services
commonly referred to as On-demand economy. These highly diverse set of services
are combined worth hundreds of billions of dollars and perhaps more
importantly, feature the fastest growth rate among other established
Transit & transportation
Uber is currently the most valuable startup in
the world but represents more than just a company. It’s a concept that’s
literally reinvented the on-demand economy. It’s not that people didn’t call
cabs before Uber but the process wasn’t nearly as fluid, ubiquitous, and
cost-effective. With a decentralized model built on top of the power of
mobility, the company changed the shape of transportation as we knew it. Today,
virtually every major city in the world has some kind of Uber-like service with
billions of trips completed every year. For cabs and motorbikes to scooters and
helicopters, there is now an Uber-like service for almost every mode of
What Uber is to transportation, Airbnb is to
hospitality. Currently valued higher than any hotel chain, hospitality accounts
for a large chunk of the on-demand economy. Also, amidst all the on-demand
services infamous for running losses, it is one of the selected few that
actually turn profits.
Food & hyperlocal delivery
This is currently the most heated space of the on-demand economy with dozens of food delivery apps competing to gain dominance in their respective markets. Apps like UberEats, GrubHub, Just Eat, Zomato, among others have all multi-billion dollar valuations but the market is still far from saturated. Additionally, as those startups build their logistics network, they consistently experimenting with new business avenues like hyperlocal deliveries that are yet to take off in large parts but is evaluated to have massive potential.
The term “gig economy” has gained quite a
traction in recent times and if you have ever been confused about its meaning,
that’s not entirely your fault. It encompasses a whole array of on-demand
services with little in common except they are hired for small or fixed tasks
or “gigs” as they are commonly called. Be it laundry, plumber, carpenter, web
designer, architect, legal consultant, or virtually any professional service,
there are countless on-demand mobile app solutions that deliver such services.
Given the immense diversity involved, it is tough to accurately measure the size
of this segment but by some estimates, they are worth tens of billions of
Audio and Video streaming
This is by far the largest segment of the
on-demand economy. For instance, Netflix alone is the second largest media
company in the world and if you add to it other popular platforms like Prime
Video, Hulu, HBO Now, among a host of other on-demand video streaming
platforms, it can be easily argued to be the growth engine for the on-demand
economy. Further, with the proliferation of music streaming giants like
Spotify, Apple Music, etc., the segment is branching in all aspects of media
If you are looking to acquire a piece of that
massive economy through your own on-demand mobile app solution, the first thing
you’d need is a clear strategy into which segment you are going to target.
Secondly, you would need an expert mobile app development agency to get your
plans running on the ground through intuitive mobile solutions.
Chatbot is one of those technologies that
seems to be awkwardly stuck in a loop of hype and experimentation but never
quite makes it to mass adoption. It’s been now years since chatbots are talked
about as a powerful new emerging technology but for the most part, hasn’t taken
off. But the very fact that those expectations and subsequent development have
been persistent over such a long time is a testimony to their underlying
potential. And if you are interested in their future, here is a detailed
outlook for 2019:
Up until recently, the roadmap of chatbot
development and subsequent adoption was largely fragmented- possibly one of the
reasons it struggled to take off. That is, like web and mobile applications,
businesses were moving ahead with their own bots. But now as we know from
experience, consumers don’t like or want to talk to fifty different bots! They
rather prefer one or two bots that can act as a central hub to manage all
different tasks. And that’s the kind of shift we will witness in the coming
from messaging platforms
In late 2016 to early 2017 messaging platforms
like Messenger, Skype, Telegram, and others witnessed a massive influx of
chatbots ranging from service discovery to product based. And though it created
much hype and excitement at the time, it soon began to falter. Moving ahead in
2019, we do not expect any reversal in this trend. Not only the existing bots
on these platforms will continue to remain in oblivion but new bot development
for messaging platforms would continue to be off the priority list for most
on customer support
This is one area where chatbots have had the
most visible impact and continue to prosper. In fact, we would be surprised if
you haven’t already come across those bots. The most famous example is, of
course, the chatbots you would find on Amazon customer support. Given the
significant benefits in terms of cost and customer satisfaction, the shift from
the human interface to AI-powered chatbots is possibly the most immediate trend
that we can expect in the coming year.
The successive failure of chatbots in the last
few years had been one silver lining- developers acquired vast amounts of
high-quality relevant data. Since bots use Machine Learning and Neural Networks
to improve their performance, this data has helped them learn and evolve to
better respond to human languages. So if you recall a chatbot from a few years
ago that couldn’t understand what you were trying to say, they are long past
that stage and 2019 may possibly be the year when tech companies may finally
claim to have cracked the NLP.
In the last couple of years, we have had an
extensive and quite productive debate on the outreach of digital products and
services along with security and privacy risks they bring along. There have
been numerous data and privacy-related regulations enacted across of the globe
of which GDPR remains the most notable. This is both good and bad news for
chatbots as they move forward. The good news is that there is now a
well-defined framework for future developments and would encourage consumers to
use these products with more confidence. On the downside, keeping up with all
those regulations is going to be an uphill task.
Though we can’t say 2019 is going to be the year when chatbots would finally explode to mass adoption, there would nonetheless be some very crucial breakthroughs. Be it their integration with a larger number of services, background improvements in NLP and security, or their popularity in customer support, app development services are going to have some really exciting projects in this domain that would set the stage for its wider adoption in future.