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Regular/emergency transaction. Apps – I look at regular events such as submit‑

ting an electricity meter reading or unpredictable ones such as registering a motor 

insurance claim as ideal candidates for a mobile app. Regularity breeds familiar‑

ity, and regular events can benefit from app characteristics such as local storage, 

transparent login, notifications and a permanent place on the user’s screen. These 

same characteristics, together with the reassurance of being completely contained 

on the device and not requiring uninterrupted Internet access, support the use of 

apps for functionality perceived as critical. HTML5 may make these distinctions 

technically irrelevant, but I expect customer behaviour will lag significantly so they 

will effectively apply for a long while yet.

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