Missed the form, but just wanted to say Iām overjoyed to see @KatherineB posting on here and that sheās now at Monzo.
She was our Head of Marketing at Sphere! 
So weāve gone on directly opposite journeys lol.
One of the best Product Marketers I know
This is my biggest gripe about it all. Even if it was a placeholder āWe hear you, let us get around the table and weāll come back to youā but since the clarification that didnāt clarify anything, that was yesterday at nearly 4PM I donāt think thereās been another staff post in here (Besides Alan with his mop)
I fully understand you have day jobs and your no1 priority isnāt the community, but it does feel a bit like āHereās a shiny new thing, please give us feedbackā thereās a few new Monzo staff joining/posting and when thereās a bit of criticism thereās a huge retreat.
Now I donāt think for a second that youāre ignoring it all. Iām sure youāre revising, planning, etc etc. But youād have saved the on-going debates/100+ posts with a better comms plan and just one most reply.
Anyone excited for the new series of Black Mirror starting tomorrow?
Good news! Apparently itās really easy to destroy an AIās usefulness by training it on output from other AIs. 
Garbage in, garbage out and all that.
Monzo + Curve works.
5% + 1% Sainsburyās
Doesnāt follow the category attached to the spend though, and canāt find it anywhere in Trends (unless I have missed something) to be accounted for (maybe default to savings?).
The actual spend categorised itself as Groceries as it shouldāve.
Out of interest did anyone have the wisdom to screen grab the sign up flow?
thanks simon, appreciate it.
love seeing the community in action here 
Whatās the best way of raising a bug report. One of my flex transactions received a refund and resulted in the total payment amount doubling and doubling the cash back. The payment amount appears to be a screen clinch.
Just paid at Costa using my Flex card with the cashback activated and it came up with this merchant data and no cashback. It was definitely a Costa?
Lots of Costa stores are franchisesā¦ Iāve had to correct a few myself.
Thatās one question I have for monzo, how do you reconcile if the merchant data is wrong?
Could you reach out to customer support or DM me your email address? 
Weāve been expecting these kinds of merchant issues so Iād love to take a look at this one!
Yeah Iād agree with that - Iām guessing the 2nd page comes up when you press āLearn Moreā rather than āAgree and Continueā right?
Just make both pages mandatory.
I like the idea of a
"We may shareā¦
"We will never shareā¦
List.
But I think the clarity for me would come from Page 2 being a mandatory step
DM sent
Hello 
love hearing all the feedback coming through!
This is my first time launching in the community and itās so exciting to see the enthusiasm 
I just wanted to pop in and clarify a few things with regards to the pilot we are running. Thanks for your patience in our response
Weāve been hearing a lot of questions which is exactly what weāve been wanting to get from you all! Please keep it coming 
I wanted to give some context first before diving inā¦
Monzo is funding the offers right now. This means that no actual data is currently being shared with our partners, but we do intend to do that soon. The objective of the pilot is learning how you all feel about the journey and getting your feedback on how itās explained
Weāve intentionally made our cashback program a multi-step opt-in journey. Your data will not flow to our aggregator merchant partners unless you explicitly opt in and remain opted in
Weāve heard your feedback on the onboarding screens copy and clarity, which is helpful before we launch with our aggregators later this year 
From what Iāve heard these are the key things we should take away to improve the journey, keep me honest
We should clarify that itās only card data, itās not clear enough and sounds like all your account data will be shared
You want to know how your data will be protected
You want details on the transaction history shared, how much and from when?
Some of you are curious on how we can afford to fund cashback sustainably
Iām sharing some details below that hopefully answer a lot of your questions, and we will keep you updated as we go! 
What data are we sharing?
Transactions = physical or virtual card spend data, no other account activity
The time period of the transaction history can vary by aggregator which is why weāre saying āaroundā a year. For our first aggregator partner that will be 13 months, which is the boundary we are setting in our contract with them to deliver you some great offers
Data is shared only when you specifically opt in to cashback. If you opt in and then opt out, we call the partnerās API and they have to delete the data, weāve committed to this in our contract
Aggregators are not given any personally identifiable data. We only send tokenised IDs along industry best practice
Aggregators need this because, as Ian said, they are doing the transaction matching and redemptions for us, so they need to see transactions in order to tell us when a redemption has happened. They also source great offers for us.
Our contracts are written in a way that governs what the aggregators can do with your data. So, for example, they can pitch a merchant to say things like āhey merchant X did you know that one million Monzo customers used to shop with you once a month but now they donāt at all? Maybe if you offered them a juicy offer, theyāll come backā
So how do we protect your data?
In our contracts with aggregators, there are clear boundaries on which data is shared and how it can be used. There are severe penalties if the data is misused
All transaction data is deleted if you opt out or if we terminate a relationship with an aggregator
We have the right to audit our aggregators and how they use this data
And how can Monzo afford to fund cashback sustainably?
You are right ā¦ we canāt and do not intend to. We are funding them now so we can get your feedback before we need to share any data
When this program goes to rollout, offers will be funded by merchants via aggregators - Monzo makes money simply by having you engaged with Monzo offers, at that point we wonāt pay for rewards, merchants will.
Whatās next?
Please continue sharing your thoughts on every aspect of the product itself, try it out, hit your limit! And let us know any suggestions you may have in the app or here ā itās really helpfulšWe might not be able to answer every question but we will take all our feedback seriously and use it to enhance the product together!
This is just the start! Based on our research so far, weāve got some great ideas coming your way and will be engaging with you as we goā¦ so stay tuned! 
Question.
Do your merchants, say Morrisons, see all transaction history to other merchants too, or just Morrisons?
Which I think is the main key data point people need clarity with.
I was going to ask the same thing, but I think this bitā¦
means itās not direct to Morrisons/Spar or whoever. The aggregator is getting all card spends in the last 13 months.
Yeah, the latest update seemed to only be referring to aggregators but I think elsewhere it was mentioned some deals might be directly with merchants?
This is a long thread so I may be misremembering 
(Edit) already answered here:
Great update 
As for my feedback, Iāve made one qualifying transaction for cashback so far but I was surprised that I got no notification regarding the cashback I had just earned. I think something like that would help promote engagement.
I image others would also like a toggle to turn those notifications off though.
Great work all round so far!
Merchants wonāt see your transaction history at all - theyāll see aggregated data either from the aggregators (if the aggregators have sourced the offer) or directly from us (if we have)
