A new startup called Bankjoy wants to make it easier to provide modern mobile banking by rolling out a customizable banking app aimed at small banks and credit unions. Bankjoy founder Michael Duncan hopes to differentiate his product from offerings of other mobile banking vendors with a sleek, intuitive user interface and innovative features. The app will include many hallmarks of big banks' mobile offerings -- including the ability to log in using a PIN on your smartphone, make remote deposits using a smartphone camera, manage debit cards, set financial savings goals, make person-to-person payments and pay bills from your phone. The appearance of the app will be brand-conscious with customizable bank logos and color schemes.