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Below are excerpts from Kony DBX Executive Vice President and General Manager Jeffery Kendall. He was recently interviewed on The Deep Dive channel by host Kevin Benedict. The Deep Dive is a web-based show about leaders and for leaders in business and technology. They share insights, experiences, analysis, stories, innovations, predictions and advice. Many thanks to Kevin and his team.

Kevin Benedict is an enterprise digital strategies expert, executive advisor, writer, keynote speaker and futurist. He is the Senior Vice President, Solutions Strategy, at Regalix, a Silicon Valley based company, focused on bringing the best strategies, digital technologies, processes and people together to deliver improved customer experiences, journeys, and success through the combination of intelligent solutions, analytics, automation, and services.

KB: How much coding do end users really want? Do they want everything templated, so they can just pump out simple apps all day? Or, is there just a need to customize to additional code? Where has it settled?

JK: The market is still debating this, and it’s probably going to be a debate for the next five years, if not more. Look at it in terms of a spectrum: If you think about some of the new categories of app development, on the left hand you have the simplest approach – citizen developer – no-code, call it. Just a visual interface to build an app quickly and easily. At this point, there’s probably a huge tradeoff in terms of power and flexibility.

The next on the spectrum is the most promising category right now which is low-code. Low-code means we’re still going to have the need for enterprise development principles, security, enterprise scalability – all those things that matter – but, we’re going to provide developers with the advantage of speed by presenting solutions without them having to do as much code.

Then, on the furthest right of the spectrum is the traditional, write-everything-from-scratch approach, which I think a lot of hard-core developers still like. They want the power, the flexibility, and control of doing everything exactly how they want it.

Finding a balance, I think, is the winning strategy. The mass market is going to probably land on a solution more in the low-code space that gives developers power and flexibility.

KB: Help us understand what part of Kony is specific to an industry vertical and what part of your solutions are the platform-layer that you reuse across all the industries.

JK: Kony has two offerings: Number one is Kony Quantum. That’s the new name for the consolidated effort of the Kony Development platform. Over the years, as we’ve evolved and enhanced that product, it deserved a separate brand and focus. The Kony Quantum brand, that platform, is common to everything we do.

The other is Kony DBX, where we have our banking-specific applications –online banking and retail banking. All of those applications are built upon the Kony Quantum foundation, which serves as the underlying transportable-across-industry component of our portfolio.

KB: Where do you see enterprise mobility going in the next five years?

JK: We’ll definitely continue to evolve. We’ll be seeing what people predicted would become mainstream, but maybe aren’t quite there now. I think the end-user experience is going to continue to be a huge concept for people. Customer experience will always matter, but it’s getting more and more crucial.

We’re talking now about developer experience. What does the developer experience when using your tools to build digital applications? How do you make it easier? How do you get them onboard faster? That’s an area of focus in this Kony Quantum release, because we’ve got a lot of power on this platform. The question now is, how do we harness it, make sure we can put it in the hands of millions of users, and realize that potential quickly?

The next thing I see ahead is the blurring lines between native and web. That’s a big topic in terms of how people think about developing their mobile app portfolio and their digital app portfolio. Do I build native? Do I build with web? I think Google and the support of PWA (Progressive Web Apps) is going to be more and more important.

Another thing I’m closely watching is “human plus digital.” Right now, everything in digital, self service, and mobility has been focused on the technology piece – not about the human interaction and connection that can be empowered by those technologies.

We at Kony talk about this human-digital strategy which is how customers leverage their digital potential to drive more meaningful connections back to human and social channels. When you look at the most powerful mobile applications in the world today, they have something in common – they’re all threaded together by connecting humans. Facebook, WhatsApp, and all the dominant mobile apps are about connecting people.

At Kony DBX, we’re getting these connections reintroduced in financial services. People can have a self-service relationship with their bank, but they sometimes want to reach a human. How do we use digital to make a seamless connection to an actual person at the institution?

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