Hi. I’ve had a couple of times recently where I’ve needed to take things back when I had lost the receipt (lost wallet actually). In each case I could take a screenshot of the transaction and show it to the till assistant. However, this works in person and works less well at a distance.
Idea below is for a link generator from transactions that gives you proof of transaction that you can send to customer support at whichever company it is.
This is how it would work:
1: Find historic purchase from Next for some smart new trousers.
2: Proof of purchase link creates URL that I can forward to Next customer support.
3: Next customer support follow the link that shows them “Andrew spent 24.99 at Next on 03/12/2019” (it clearly can’t tell it was a pair of trousers but is additional evidence). It has a big green tick and it’s clear it’s an official Monzo link.
4: The customer support operative believes me enough to let me return the item or the insurance company believes that I booked the plane or the fraud squad can see the transaction for the car or HMRC can see that I paid them - without showing them additional information about my purchasing habits.
This would also be handy for showing cash machine companies who might have kept your money that the transaction happened and was not refunded.
Proof of payment for fines, student loans, the VAT man. Actually there’s quite a lot of use cases for this.
tl:dr - a link that can be shared that certificates that a transaction happened using Monzo’s brand as the trust.
Just an additional thought. The link would show all associated metadata of the transaction in case that helps the case i.e. geographical data, merchant data, whatever is shared with the bank along with an explanation of what the metadata means.