Cloud Wars
  • Home
  • Top 10
  • CW Minute
  • CW Podcast
  • Categories
    • AI and Copilots
    • Innovation & Leadership
    • Cybersecurity
    • Data
  • Member Resources
    • Cloud Wars AI Agent
    • Digital Summits
    • Guidebooks
    • Reports
  • About Us
    • Our Story
    • Tech Analysts
    • Marketing Services
  • Summit NA
  • Dynamics Communities
  • Ask Copilot
Twitter Instagram
  • Summit NA
  • Dynamics Communities
  • AI Copilot Summit NA
  • Ask Cloud Wars
Twitter LinkedIn
Cloud Wars
  • Home
  • Top 10
  • CW Minute
  • CW Podcast
  • Categories
    • AI and CopilotsWelcome to the Acceleration Economy AI Index, a weekly segment where we cover the most important recent news in AI innovation, funding, and solutions in under 10 minutes. Our goal is to get you up to speed – the same speed AI innovation is taking place nowadays – and prepare you for that upcoming customer call, board meeting, or conversation with your colleague.
    • Innovation & Leadership
    • CybersecurityThe practice of defending computers, servers, mobile devices, electronic systems, networks, and data from malicious attacks.
    • Data
  • Member Resources
    • Cloud Wars AI Agent
    • Digital Summits
    • Guidebooks
    • Reports
  • About Us
    • Our Story
    • Tech Analysts
    • Marketing Services
    • Login / Register
Cloud Wars
    • Login / Register
Home » The Rise of ‘Super Apps’ Could Challenge the Multi-App Model
Business Apps

The Rise of ‘Super Apps’ Could Challenge the Multi-App Model

Kieron AllenBy Kieron AllenJanuary 24, 20224 Mins Read
Facebook Twitter LinkedIn Email
Super Apps
Share
Facebook Twitter LinkedIn Email

Reliance on business apps is at an all-time high. Companies typically deploy a suite of applications to address the wealth of business cases associated with a fast-moving, digital-focused marketplace. Now, however, a new breed of “Super Apps” is challenging the status quo and combining multiple functions in a single tool.

App suites like Google Workplace and Microsoft 365 have integrated multiple apps for years. The difference with Super Apps is that they promise to enable this multi-functionality from a single app. In this article, we’ll define the super app and examine its benefits and potential pitfalls.

What are Super Apps?

The term Super App isn’t new. It was first used at the Mobile World Congress back in 2010 by Blackberry founder Mike Lazaridis. In his keynote speech, he described potential Super Apps as platforms that could integrate with other apps to provide multi-functionality from a single space. 

Fast-forward a decade and the Super App has evolved into a single tool where multi-functionality isn’t reliant on third-party integrations and where the integrations that do exist are seamless. Although there are many applications for this technology, such as ride-hailing, food delivery, and entertainment, the most prominent is FinTech. And it’s here that you’ll find the most notable players.

Industry-Leading Super Apps 

WeChat

WeChat has around 1.24 billion monthly active users and has evolved considerably since being launched as a messaging app. Now, the Chinese Super App enables in-app payments, a feature that has propelled it into one of the world’s biggest apps. 

WeChat users can access mini-programs, which are extra apps contained within the WeChat ecosystem, to complete endless tasks covering everything from eCommerce to business tools, transportation, and financial services. To date, there are close to 4.3 million mini-programs available. 

Paytm

Paytm is the most popular FinTech app in India. It enables users to complete many tasks centered around payments and investments. The core features include bill payments; booking trains, flights, movie tickets, and more; stock and mutual fund investments; and a full banking suite. 

Grab

Based in Singapore and Indonesia, Super App Grab is one of the most important apps in Southeast Asia. Users can utilize the app to complete a wide range of everyday tasks. These include food and grocery delivery, sending parcels and documents, hailing a ride, and of course, financial services. In particular, that includes insurance, cashless payments, and investments. 

Benefits, Pitfalls, and Setbacks

One thing about the above list is particularly notable—the lack of a U.S.-based Super App in the same league as the ones mentioned. Why? Well, here begins the debate about the Super App model. 

There’s no denying the convenience of the Super App. That’s why, in many Asian and Middle-Eastern countries, millions of users have adopted them with enthusiasm. Essentially, Super Apps provide the experience of an entire app suite in a single space, an ecosystem of offerings. 

In a period where digital transformation is accelerating at lightning pace, it’s no wonder that consumers expect this level of consolidation. So, with the demand so high in the East, why are Western developers somewhat hesitant to pursue the same goals? 

U.S. Stumbling Blocks

There are rumblings in the U.S. tech community. Facebook is out ahead with the recent introduction of Novi (previously Calibra), a digital wallet that will host Facebook’s cryptocurrency for use on its platforms. Yet, even this project is under construction. 

There are several possible factors. First, there is far less competition in China, the most notable country where Super Apps dominate. Many of the leading foreign apps companies, such as Meta, are banned, making it easier for a home-grown app provider to lead the pack.

Beyond this, regulatory compliance is a significant issue for Western developers. In addition to the SEC, the many governing bodies that oversee financial and data-focused products make this kind of app consolidation difficult. Therefore, if nothing else, security on a U.S.-based Super App will have to be air-tight. 

Finally, there is a pushback from start-ups in FinTech and other spaces against the Super App model. Many are afraid that apps like WeChat make it impossible for them to compete. However, although this is a real consideration, it might not necessarily be true. 

In the acceleration economy, a core focus is agility. Perhaps the single-use model for new software applications is on the way out. Companies must be adaptable and work with Super App developers to provide integrations. At the very least, it may be necessary for them to develop applications with multi-use capabilities. 

business apps CFO featured finance financial tech Fintech Future Office of the CXO
Share. Facebook Twitter LinkedIn Email
Analystuser

Kieron Allen

Cloud, AI, Innovation
Cloud Wars analyst

Areas of Expertise
  • Business Apps
  • Cloud
  • Cybersecurity
  • Data
  • LinkedIn

Kieron Allen is a Cloud Wars Analyst examining innovations in, and the future impact of, the latest AI, cloud, cybersecurity, and data technology developments. In his ongoing analyses and video reports, Allen focuses on the platforms, applications, people, and ideas that will mold our digital future. After serving as the Online Editor for BBC Sky at Night Magazine and as the Editorial Assistant for BBC Focus Magazine, Kieron became a freelance journalist in 2015 where his focus on the business technology market became a key passion. Kieron partners with technology start-ups and organizations that share his interests in science, social affairs, non-profit work, fashion and the arts.

  Contact Kieron Allen ...

Related Posts

Larry Ellison Declares Oracle Will Be #1 in Cloud Databases, Apps, and AI Data Centers

June 23, 2025

Larry Ellison’s Oracle To-Do List

June 23, 2025

IBM Tackles AI Data Complexity with New watsonx.data Integration and Intelligence Software

June 20, 2025

Enterprises Ramp Up Use of Multiple AI Models, Third-Party Apps, and AI-Native Innovators

June 20, 2025
Add A Comment

Comments are closed.

Recent Posts
  • Larry Ellison Declares Oracle Will Be #1 in Cloud Databases, Apps, and AI Data Centers
  • Larry Ellison’s Oracle To-Do List
  • IBM Tackles AI Data Complexity with New watsonx.data Integration and Intelligence Software
  • Enterprises Ramp Up Use of Multiple AI Models, Third-Party Apps, and AI-Native Innovators
  • Microsoft Introduces AI Model Safety Rankings to Guide Developer Choices on Azure

  • Ask Cloud Wars AI Agent
  • Tech Guidebooks
  • Industry Reports
  • Newsletters

Join Today

Most Popular Guidebooks

Accelerating GenAI Impact: From POC to Production Success

November 1, 2024

ExFlow from SignUp Software: Streamlining Dynamics 365 Finance & Operations and Business Central with AP Automation

September 10, 2024

Delivering on the Promise of Multicloud | How to Realize Multicloud’s Full Potential While Addressing Challenges

July 19, 2024

Zero Trust Network Access | A CISO Guidebook

February 1, 2024

Advertisement
Cloud Wars
Twitter LinkedIn
  • Home
  • About Us
  • Privacy Policy
  • Get In Touch
  • Marketing Services
  • Do not sell my information
© 2025 Cloud Wars.

Type above and press Enter to search. Press Esc to cancel.

  • Login
Forgot Password?
Lost your password? Please enter your username or email address. You will receive a link to create a new password via email.