One of the many apps betting on consolidation of apps for the consumer. Personally have doubt on how all these apps will fly....looking at my children....they can pretty well handle all the apps on their phone...and do not need a "Consolidation app" the apps needed for financial services will be less than the # of games, sports apps, etc. a simple grouping can also work. But time will tell.  A new Bank brand is more the question than the consolidation angle, but time will tell