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So the technology platform is Simple's main product (after all, they're not a bank, that part is left up to their bank partner), right?

In light of that, it seems odd that they'd farm out the development of one of the biggest customer-facing parts of that platform to a third party.

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In my experience Simple's main product is customer service (and delight). They're great at leveraging technology to accomplish this, but I'd say they're far from being a technology company.

In an ideal world I'm sure they would have created their app in-house, but it looks like outsourcing the development left them with a quality final product. Seems like a smart enough choice to me.

You hit it on the head. We were also able to speed up time to market and provide them with more than just outsourced dev.

I doubt anyone who uses the app will ever know it was designed by this firm. The branding will just say "Simple" and people will get hooked on their service.

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