Banking app requires switching to another app for online payments creating stressful UX: SKIP, 35/100 | Ideas Lab

A complaint about a specific bank's authentication flow, not a business idea with a solution.

The pain

Providus bank customers doing online payments now face friction: they must leave the banking app, switch to another app for 2FA verification, then return to complete the transaction. This breaks the previous seamless flow and creates abandonment risk during checkout.

The gap

This is problem identification, not a business idea. There's no proposed solution, no clear customer segment to serve, and no revenue model. It reads as a feature request to Providus, not a standalone business opportunity.

Build angle

If reframed: build a payment orchestration layer that sits between banks and payment processors to handle authentication without app-switching. But this requires banking partnerships, regulatory approval, and competes against established fintech infrastructure. The addressable market is unclear, is it just Providus customers, or all Nigerian banks?

Strengths

Real friction point affecting actual users right now
Clear before/after comparison shows degradation
Authentication UX is a legitimate problem in emerging markets

Risks

No solution proposed, just a complaint about one bank's implementation
Solving this requires deep banking integrations and regulatory compliance
Providus could fix this themselves in their next app update
No evidence of market size or willingness to pay
Unclear who the customer would be (the bank? the user? payment processors?)
High technical and legal barriers to entry in fintech

Fly Labs Method

Is the pain real, is there a gap, is it the right time, can one person build it.

35

Value Equation

Dream outcome and how likely it feels, against the time and effort it costs.

28

One-Person Business

Curiosity pull, identity fit, and a path from free value to paid for a solo creator.

42

Viral Frameworks

Hook strength, shareability, and how cheaply it can be tested.

38

Builder Lens

Evidence the problem exists, timing, defensibility, and a model that fits on a napkin.

32

Five lenses, one composite. How scoring works

The angle

If reframed: build a payment orchestration layer that sits between banks and payment processors to handle authentication without app-switching. But this requires banking partnerships, regulatory approval, and competes against established fintech infrastructure. The addressable market is unclear, is it just Providus customers, or all Nigerian banks?

No market research recorded for this idea yet.

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