Great to see this level of insight into your thinking. Thanks for sharing! This is why I visit the Community. Look forward to giving it a whirl when its ready.
5 Likes
The glory of opinions.
When I had a whirl of the previous demo of the staff version it was so incomplete and the pill type boxes etc kinda took away the monzo edge for me.
I prefer their app as it is, otherwise, in my opinion, it’s just heading towards a revolut style format (which is what people claim they don’t like here).
1 Like
Not sure what my absolute preference is between the options but overall this all looks incredibly exciting.
Had only last night been lamenting the lack of overall visibility between accounts and thinking about signing up for YNAB.
A lot of the above looks like it would massively help fill in some gaps (master feed, overall credit and wealth visibility, investments in app).
Love the insight into the process, and can’t wait to see the V2 in labs!
3 Likes
C
C
C
C
6 Likes
Love all of this and the fact it’s being shared 
Looking forward to this! Any rough plans on when this might be?
4 Likes
We do want to let folks customise it! It’s not been thought through or built yet though. Def something I’d like myself, I hide some pots atm so I don’t have to look at them 
.
There are some interesting considerations with customisation actually - for example, if you have a loan you probably shouldn’t be allow to hide that 
.
9 Likes
I have flex. And I’d like to be able to hide that when there’s no balance.
7 Likes
I can see why this would have come up as an initial thought but I would say there are definitely reasons to hide a loan aside from trying to forget about it.
If I have set up scheduled payments to put money aside each month, and I know the loan is being paid off, then why shouldn’t I be able to hide it from a summary screen.
I am in that exact situation with a credit card I took a money transfer out on and which I now pay off by DD every month. I would love to hide it most of the time, exactly as you can pots and, crucially, exactly as you can with connected accounts on android, (I’m on iOS - parity wiki Android-iOS Parity Wiki) but then choose to show it and check in on it every now and then.
Customisation with restrictions isn’t really the same.
7 Likes
I voted A, other two are too revolut for my liking. Great work but, and thanks for letting us get an early look. Also on topic of hiding a loan, if it’s paid up to date, why not let it be hidden, some may just want to see their spending after bills are covered.
4 Likes
100%. It’s my loan, I can choose if I want to hide it or not!
2 Likes
Should the same apply to an overdraft?
If not in use it already is pretty hidden.
It’s very different though as an overdraft is your actual current account balance.
2 Likes
Thank you so much for this 
. I have all the thoughts, so will start with the high-level then maybe go into detail later.
Firstly, as others have said, thank you. It’s excellent to see this sort of thing - and even more excellent to see how the thought process has evolved and the designs with it.
Which brings me to this: I’m all for a poll, but I’m not sure what it tells us. Prototypes A and B are definitely different options (on which I have thoughts!) but C is an evolution of - and the v1 is a build taking into account that feedback. So, I’m not too sure that picking an option is helpful here.
That said, I do have some thoughts on A vs B. I’m pretty much with the customer feedback - I do prefer A, but I also find it overwhelming. As I said on the new Monzo branding topic, I like my banking to be serene, calm and giving me actions by exception. Emotionally, it makes me feel the opposite of all of that. Which, incidentally, isn’t what I get from the hand drawn mock up top.
I do wonder if we’re missing a trick with the absence of budgeting/financial planning. The design takes an account/pot-centric approach to the main screen, whereas I’d much rather like to look at goals (have I an emergency fund, savings for those home improvements I wanted to do, gifts for the family etc) rather than the accounts they’re located in (I have a bunch of savings accounts that mean my goals are split across them). I’d also like to have more of an emphasis on things like free/safe/left to spend.
Finally a klaxon of caution (!). I totally get a v1 build is just that. And it’s totally right that it’s been hooked onto the existing feed / accounts screen. But I think this will ultimately fail if there’s not enough time and effort allocated to refining and updating those screens too. If that’s not done, this is just another layer of cruft put on top, adding to the technical debt and not ultimately fixing the underlying issues. I know that’s almost certainly not the intention, but the current card carousel version had other things planned that never came to pass. So I worry a bit about the long tail and the follow-through.
That all said, this looks amazing. And I’d totally be here to be able to configure the widgets. But like @N26throwaway says, it’s important to get the default sorted too. Very very keen to help test.
(On the basis that the Coral Crew never really get any perks, I’ll be cheeky: do hit me up on Monzo Slack if you’d like some early non-staff testing 
)
10 Likes
How do we get on the Monzo slack!? 
1 Like
Apply, interview, get-accepted and start working @ 
. Simples.
(it used to be open to non-Monzo members on certain channels, then those were shut down. Then 2 unofficial Slack groups started up on the back of the shutdown)
3 Likes
Looks like they’re using figma or a similar prototyping tool, perhaps @emmag can advise. This way I imagine they’re only building the minimum of what’s needed and coding when they’re ready to.
The more I see these prototypes, the more I prefer, personally a hybrid of A & C
Love the simplicity of the account balance and spent today bar, the graph and latest payments. And then the “at a glance section”
Otherwise it’s too cluttered, in my humble opinion.
2 Likes
Yeah that would’ve been my guess, it’s essentially industry standard. I’ve seen others such as Invision used to great effect but one of the advantages I know of (perhaps others do this too) is you can bring them into Xcode to
Put the actual logic and code behind the fancy designs.
1 Like
I don’t think I explained well enough. This bit isn’t a prototype…
… It’s been built for staff release (and hopefully for us 
).
The point I was trying to get to what that it (for very good reasons) has been glued to existing screens but that those existing screens need to be updated or changed in the future. Otherwise it’s just one extra thing on top without really streamlining or fixing underlying issues.
4 Likes
No I do get your point. I think that’s fine though at prototyping stage (which is what I would consider that screenshot to be) - it’s unlikely they could do it all at once so I’d imagine they’de have to consider how new things play nice with existing content.
I agree over time that for it to be immersive, improvements need to also happen