financial technologies in banking

Imaging your group was hired by a large retail bank to re-design its 6-year old app and improve user experiences (UX). Over the last year in the AppStore, the ratings of the banking app have decreased from four to two stars. What could be the reasons for such a negative outcome? Discuss all the aspects you think will need to be considered to deliver a successful re-designed financial application. Pay close attention to the Big Data revolution in the banking sector and include in your discussion government regulations, ethics and fair competition.