I have a habit of checking out most new free banking apps, looking for the best deals, UI, security, etc.
Chime immediately started sending my phone notifications with tons of emojis in them. It felt completely childish and I couldn't believe this was a legitimate company that people would put tons of money into.
edit: and disingenuous at best
And then later when you lose your shirt, you'd find he'd not actually bet on the horse you asked for, because he'd spoken to Captain Aykroyd's man who'd explained that the fix was in, Greased Lightning had had a plate of porridge to slow him down for breakfast; he'd instead put it all on Dreadnought at 8 to 1, which had won by a length.
You know come to think of it that's exactly who I want managing my finances.
That being said, the reality likely depends on your product and audience.
[1] https://www.leanplum.com/blog/powering-engagement-with-emoji...
Not meant as an insult. But if your retention rate is up 50% with 18 year olds, and down 25% with 30+ers, is that good?
My hangup is that it's a bank. As another so eloquently described, I prefer an ultra professional appearance. Money is important, and banking is ultra regulated. I want to feel they are on top of everything.
Pizza places all started using emojis in communications to me. And that's ok, it's just pizza.
But I don't want my doctor sending me an email with a crab and a skull.