Managed to register into MyIOU app this morning. The registration process looks pretty solid (I couldn’t get myself verified with fake ID found on internet). The app itself is really just registration+ e-kyc + payment, most of the hard work has been done on the API side imo.
The most curious part is the "service tab", its loaded by embed webview, which means they can load the entire website into this tab (which I believe is Myiou.com). At the moment, they just loaded some dummy content into this tab, so some people may feel like the app is not finished. Actually, on the hard launch day, Myiou.com will be loaded into this tab without re-release the app. IMO, the service tab can be used for Rewards, Bill payment and cross marketing promote etc, just need to wait for the hard launch to find out.
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