Giving banking to people without internet using Twillio, starling api & wit.ai (as a chatbot)
Hardwarere always wins.
Build a physical bank teller using hardware
Build a card reading machine that takes multiple cards and pays bills. So in a cafe takes the bill, put multiple bank cards into it, and it splits the bill. Maybe through the API.
Detecting fraud over phone calls
Weekly prediction of how much you're going to spend, text it to the user. So given the CSV file, work out how much you're going to spend. Make a chatbot with twilio?
Make a full banking chatbot that repsonds in memes