I am a researcher in a team that has developed a Mobile Banking app for Smartphones (iOS, Android and Windows Phone) and now there is a request to develop that same app for Tablets. I think smart devices, in general, can be categorized into two form factors; phone and tablet form factors with different ways of interaction and experience.
So should we create an app with completely new design and user experience or simply scale already designed User Interface to fill larger screen of tablets? Should we create new ways of interaction in the tablet app other than what exists now (ex. multiple touch)?
What is the UX differences between apps for those two form factors?