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The Clash of Clans: Kotlin Vs. Flutter

First things first – Kotlin is a programing language whereas Flutter is a framework. As frameworks provide solutions to particular problems, you’ll find several inbuilt functions in Flutter to complete an application. And, of course, programming languages know no limit for app development. 

Since May 2019, Google officially supports Kotlin for mobile app development on Android. But, Flutter is an open-source mobile application development framework created by Google itself!

Both Kotlin and Flutter have a ‘Google tag’ attached with them. Therefore, ‘which is better’ is a big question before developers. Reading further, you’ll get to know ‘when’ to use Kotlin or Flutter.

When to use Kotlin?

Kotlin is a cross-platform general-purpose programming language. Although it relies on Java Class Library, its syntax is more concise. Want to know the difference between Kotlin and Java? Here’s your answer.

The scope of app development in Kotlin is unlimited. For instance, Uber’s internal tooling processes (e.g. Annotation processors, Gradle plugins, etc.) are coded in Kotlin. Pinterest app moved from Java to Kotlin to provide users a better interface. 

Source: Pinterest@GooglePlay

Following are the situations where Kotlin supersedes any other programming language for mobile app development.

#1 Adding Features to an Existing App

Kotlin works well and is interoperable with Java and Java components. If you want to add features to an existing app, then instead of revamping the entire architecture or changing the platform, you can simply use Kotlin to solve the purpose.

#2 Simple Syntax for Sophisticated Codes

With intuitive syntax, it is easy to write and deploy new codes in Kotlin. For apps that require heavy coding, Kotlin is simple to maintain. 

#3 Inbuilt Debugging

Kotlin’s fail-fast compiler can search bugs automatically and prevents them from coming again. Thus, Kotlin is safer than Java and reports and resolves crashes instantly.

StackOverflow survey 2019 reveals-  Kotlin is the fourth most loved programing language!

When to use Flutter?

Flutter is a framework developed by google on Dart programming language. Its architecture includes the Dart platform, Flutter engine, Foundation library, and design-specific widgets. Flutter got the spotlight because apps developed in Flutter are compatible with both iOS and Android.

The Flutter framework is capable of building full-fledged applications in different domains like e-commerce, utility, social, and entertainment. For example, Alibaba’s mobile app is built in Flutter.

Image source: Alibaba@GooglePlay

#1 For Building Minimum Viable Product (MVP)

If you want to build an application in minimum possible time, you should go for Flutter. Be it to impress investors, or present prototypes, Flutter is just sufficient (and fast too) to give a clearer idea of the product.

#2 Quick Fixes

Flutter’s hot reload feature allows developers to execute code changes in real-time. If you know, the project will require frequent changes, Flutter can give you quick fixes. 

#3 Easy Set-up

Flutter is easy to set-up, even in low-end PCs. It enables developers to access native features like Geo-location and camera along with additional widget support.

It would be unjust if we don’t discuss the situations where Flutter doesn’t meet developers’ expectations.

At present Flutter is still in its early stages. There aren’t too many CI (Continuous Integration) Platforms (e.g. Jenkins and Travis) that support it. Flutter, although makes it easy to build apps for android and iOS, does not cover web-apps. Therefore, Flutter is a misfit for businesses that require both mobile and web applications.

Now that Kotlin vs. Flutter is a hot-topic, should ‘React JS’ feel left out?

React JS, which is backed by Facebook was once popular for developing mobile user interfaces. Many developers still prefer React Native, which enables native Android, iOS, and UWP development with React. However, the new-age developers are more inclined towards Kotlin and Flutter.

What Developers say on Kotlin Vs. Flutter

“Dart is just a wannabe amateur hobby me-too project compared to Kotlin.”

Mike Milpot, Software Architect, Inventor

“Apart from the fact that you can still call Android/iOS APIs, building Flutter UIs is a bit more exhaustive than it is on Android.”

Wilberforce Uwadiegwu, Mobile Software Engineer, NCK Tech

“You can of course, use the Flutter knowledge to develop iOS apps later, so it can be a more useful knowledge if you want to focus on mobile development, but learning java will give you a step if you want to work on Back-end web development.”

Maycon Miranda, Web Developer, Bio Extratus

“Currently flutter lacks library/guide when comparing to Kotlin/Java. Therefore sometimes you’ll need to transfer or wrap Android library to flutter by yourself. It’ll make the time of developing your application increased.”

Phạm Anh Minh, Samsung Vietnam Mobile R&D Center

Final Thoughts

Kotlin and Flutter are competitive and are going to be better with every release. Experts say, if you want to strengthen back-end app development skills, you should learn Java followed by Kotlin. Thereafter, with little effort, you’ll automatically get hold of flutter.

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[Interview] Mr. Alex Jimenez | Digital Customer Experience in Covid-19 Times

7 minutes read

The COVID-19 pandemic has brought upon an unprecedented change in our daily lives and routines. Consumer behavior is changing constantly. Lockdowns and social distancing have led to huge losses for businesses across industries. The world is heading towards an economic slowdown. Under these circumstances, organizations are facing many challenges to keep their businesses going. Insurers too are facing similar issues. Some insurance lines such as motor, travel, home have suffered a business loss due to low demand.

To understand the impact of this crisis, especially in the USA, we interviewed Mr. Alex Jiminez, Strategy Officer at Extractable from California, and learned more about creating better digital customer experiences in these testing times. 

Extractable is a strategic consulting, design, and data analytics agency focused on the future of financial services. His other recent experience includes leading technology strategic planning for the office of the CIO, at Zions Bancorporation, and managing Digital Banking and Payments Strategy and Innovation at Rockland Trust. Alex has been named to several industry influencer lists in the areas of FinTech, RegTech, Blockchain, InsurTech, Innovation, and Digital Marketing. He has been featured in the Irish Tech News and the Independent Community Bankers of America’s (ICBA) Independent Banker.

Connect with Mr. Alex Jimenez – LinkedIn

The excerpt from the interview:

The impact of COVID-19 pandemic in the financial services industry

What is the impact of COVID-19 pandemic in the financial services industry, and how is the industry responding to the ongoing crisis in the US?

In the wake of the current crisis, organizations are more focused on keeping the operation going, trying to set-up work stations for remote working, dealing with customers and working with them over digital platforms. But very few are focusing on the future which is preparing for the after-effects of this pandemic on the economy. 

In-person communication is still an important mode of interaction with customers in the US banking sector. But now the issue is how to provide good services to clients? Some of our customers are going to experience digital models for the first time. 

Organizations that have well-defined Digital Strategies and Customer-First approach will be able to provide good support to their customers. Organizations that are late into this space are more likely to face problems in the future.

[Related: The Impact of Covid-19 on the Global Economy and Insurance]

Changing customer preferences

How can companies reach out to their customers in this New Normal world?

We have already started to move towards a digital-centric world which is just going to accelerate. We will see businesses who have earlier ignored their digital capabilities will now build more on them. 

The first video call was invented in the 60s and was not so appreciated as everybody thought it was expensive and complicated. Today we have FaceTime, Zoom but adoption has not happened on a larger scale. But this will soon accelerate. Customers will be comfortable dialing into a video chat with their Insurance agent. 

I don’t believe there’ll be a New Normal. For example, in the US after 9/11 people thought that life will never get back to normal but except for rigorous security screening at the airports, there hasn’t been much change in the behavior. 

In Israel, amidst all the constant disturbance, people in Tel Aviv and Jerusalem are living normal lives. There’ll certainly be some specific changes post the pandemic such as more adoption of digital technologies, more focus on customer needs but I believe there won’t be an entirely new world with a drastic change in consumer behavior.  

The need for personalization

What are some Attention hacking lessons for Insurers operating in ‘the New Normal’?

We are moving towards the personalization of products in general. Generally in Life Insurance, we insure people based on their date of birth or medical history. But what if we insure people based on their behavior? If we did that, would people change their more risky behavior to get a better rate? A non-smoker can be given a better rate as opposed to a smoker. If we get down to individuality, saying that this is your individual (your own) rate; it makes a difference. 

There is a lot of data available and AI is needed to mine that data and derive analytics. Just by building a relationship with customers, we are not doing a great job with personalization. It’s important to apply a human touch to the communication which makes customers feel like you know them. Thus, retaining their attention.

Digital customer experience in Insurance

For the insurance industry, what steps can help in delivering the right digital customer experience in terms of UX and visual design?

A lot of organizations practice Design Thinking but Financial Services don’t. They are of the opinion that they know what is needed as they themselves are customers and they have data from the surveys. But that’s a wrong approach. Design Thinking is about empathy. It is important to get into the shoes of your clients to design better solutions.

To enhance digital customer experience, Insurers need a thorough understanding of users — who are the ultimate clients, their needs, what they expect from this experience, etc. After comprehending how they engage with technology and financial services, start venturing into the solution and test the solutions with actual users.

Innovations in the financial services industry

What technology-based innovations are being explored within the financial services industry? And, do you see AI playing a role in the short term? 

AI has already affected Financial Services in a positive way and will make it better. In insurance, IoT has been very impactful and will continue to be. Some applications have already been applied in reality like sensors in cars to detect speed and ensure that you are under the speed limit. This helps in getting reduced premiums. 

However, some basic processes are still done in the old school way of shuffling papers. Straight though-out processes have not yet happened. Now RPA is being applied to this but it is more like a band-aid. What is more important is how we can build processes through true automation with AI.

[Related: 5 Insurance Front Office Operations AI Can Improve]

Adoption of AI in Insurance

Speaking about more adoption of technologies, do you think there’ll be more investment in AI now?

Absolutely! We have already seen that investment in technologies like AI, cloud computing, quantum computing has been ramping up. Businesses will invest much more in AI than before. It might be for better decision making, underwriting, understanding the behavior of clients, etc. Also, from a marketing standpoint, financial services have never focused much before but will now invest in AI for this area too.

[Related: How is AI extending customer support during COVID-19 pandemic]

In your recent article in Extractable – “Deploying third-party financial service technology to mitigate crisis” you talk about what tech vendors are doing wrong. Please expand on how to encourage resources to be innovative change agents?

There were two points that I made in the article-

First is about what companies are doing incorrectly when it comes to innovation. Risk management is consulted only after developing the product. The product release is stalled until the legal compliances are adhered to. Instead, companies should involve the risk management at the beginning of the process (while defining the problem and solution). Involving risk management at every step of the innovation process will make it much easier to push out innovation.

The second was about vendor management. Many small vendors such as tech vendors, InsurTechs want to sell solutions to financial service companies but are often surprised by the tedious vendor management process. There’s a lot of documentation. Once the first process of selling is done, vendors should package the documentation in a way that when the next prospect asks for it, the due diligence package is ready to offer. 

Read article – Deploying third-party financial service technology to mitigate crisis 

Wrapping up

Alex shared interesting insights on how Design Thinking and Visual Design can create better digital customer experience. The design vertical at Mantra Labs too believes in the same and has designed UX for various applications for its customers. Here’s an article to understand the role of Customer Experience (CX) and User Experience (UX): Creating Amazing Digital Customer Experiences

[Also read: [Interview] Mr. Andrew Warburton | The New Normal in Insurance]

AI is going to be essential for Insurers to gain that competitive edge in the post-pandemic world. Check out Hitee — an Insurance specific chatbot for driving customer engagement. For your specific requirements, please feel free to write to us at hello@mantralabsglobal.com. 

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