I have a contrarian view here.
Yes Aptus has poor connection with App. But Aavas and HFFC are no good. They are charging for statement download(You can go over the reviews of aavas and HFFC).
What good these apps do? What customer do with this app? What does HFC do with this app? Will customer onboard to HFC based on apps? Can they source using this app? Does any of the customers who gave bad reviews in playstore have changed their loan to other HFCs just because they cannot login to the app?
When you look into commentary of CanFin homes you can see this, they are not even focused on this. I understand all the companies need to pivot to tech. But the tech which HFCs need is their backend, not their front ends. Even when lead is happening through any tech apps, all their activities still need human touch to verify the property.
Housing loans are the last place among other loans where customers need an app to track.
Disc: Bullish on Aptus, but not invested since i already have position in Home First