I'd go further and suggest that we need maybe five or six browsers. One for shopping, one for banking, one for socializing...

Let the platforms for these things compete on the back end only and provide a uniform experience on the front end across competitors. This way the people writing the code that runs on our devices don't have conflicts of interest that lead them to betray their users.

It would also be easier to use because once you know the structure/flow/hotkeys for one bank you're now wizardly at navigating the interface for every other bank.

It's just such a waste to have each business writing a separate front end even though what they end up with is always more or less identical to their competitor.

Sandwich shops should compete by making a better sandwich, not by outmaneuvering each other re: how they leverage the app they managed to get 8% of their customers to install.