I was reading this article, and was struck by this paragraph:
An example of a forward-thinking provider designing against this is Monzo’s implementation of a late-night spending “safety net”, wherein users are provided with a summary of any purchases made after a certain time the previous day (say, 11pm), along with an option to review and cancel certain purchases before the funds leave the customer’s account.
This is all new to me - have I missed something major* or is the article a bit confused?
*not unlikely - it happens frequently