My 2019 worry is less the new features and more that existing feature may not be built upon. pots(glad to see some upcoming work on that), authorising online transactions, retailer info, etc. All need some serious improvement, they feel a bit half baked at the moment.
My hope is a lot of existing features get some serious overhaul and improvements over the next year. I would take that over new current account features.
Revolut have, frankly, promised a lot and yet still struggle with the basics.
Theyâre certainly not a bank in any real sense of the word (though their strong suit - FX - is still a winner), and I shudder to think what CS would look like in handling any transition to full current account + frills.
Theyâve never solved support provision and as far as embracing community forums is concernedâŚ
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They just donât yet sit in the same arena as Monzo or Starling.
I will say its the elephant in the room, brexit. It will affect the financial sector dramatically - the legal uncertainties and implications of a prolonged period of half in half out or the disaster of a no-dealâŚ
Are you sure? My understanding is that ring-fenced emoney accounts do not provide the individual customer with FSCS protection (or the equivalent in other countries). Iâve found it extremely hard to find information online on risks and protections involved with emoney accounts so I am left to assumptions based on little snippets of information. My assumption is you are relying on the account-holding bank correctly doing what it is supposed to be doing (i.e. ring fencing the money). If they mess up the ring-fencing, I assume you could lose your money in the (admittedly unlikely) event the bank goes under (due to no FSCS protection on these accounts). I donât work in financial services though, so would be happy if someone could clarify.
I donât wish to be flippant, but Iâm wondering if there are two âRevolutsâ as Iâm blowed if I recognise these characteristics 
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And hereâs one of the biggest issues - people react to what they feel about something and as we all feel differently, this is a very fine line to try and tread.
âHalf bakedâ is an expression that keeps being trotted out but itâs the skeleton of a complaint that Iâve never seen any meat hung on. Itâs easy to say something isnât quite good enough but itâs not a lot of use if that isnât followed up with a definition of why we feel thatâs the case. Even then, it doesnât mean the feelings are correct.
Just occurred that I may have, in my haste, contributed to offing the topic (a phrase now coined). If thereâs a thread for Revolut, my apologies - I didnât look before responding above. 
Because its easier than spending the time to describe the problems or lack of features of the existing features. Theyâve been discussed a number of times in several topics, but its not clear if they plan to improve some of them.
Just for one example of a half baked feature is approving online payments. The idea is great, you go to the app, approve the transaction, and your done.
The implementation is just a bit crap. You click the pop up, that takes you to the app, which needs to authenticate you, then it doesnt take you to the approval screen. Instead you need to click the waiting transaction for approval, then click approve, then authenticate again, then go back to the app or page where the transaction was happening. Then, finally, your done.
Thatâs a half baked poor implementation. Itâs not easy, its not nice to use, and its not any simpler than other methods.
I donât think itâs anything like as bad as that on Android
It does depend on if you have authentication enabled in the app as well, which you probably should 
but I had this issue on android as well. It should be far easier. You should in theory be able to approve right from the notification in android. You should at the very least be taken to the specific approval screen when clicking the notification.
If the android and iOS app have diverged again, thatâs another issue
The issue with all these features is the real danger of falling behind if they donât finish them off. When they had their roadmap with their deadlines, a number of features that came out looked rushed so they could say they were done. It was the wrong approach.
Yeah I dont have authentication on the app cos I have it on my phone, but Iâm pretty sure it just brings up a button to approve. There will be differences between Apple and Android because of their own restrictions occasionally - for example you canât tap to activate on Apple cos they wonât let third parties use the NFC chip.
I think the things I think Monzo will struggle with is/are:
Very high level I know but just my thoughts.
That reads as a set of improvements youâd like it to work rather than any promised functionality not yet delivered. I understand that you donât like these aspects of functionality but I think thatâs a long way different from things being unfinished.
Thatâs the point I was making. By holding people to a standard that they havenât offered themselves up to weâre painting a somewhat disingenuous picture of the state of things and trying to make someone else responsible for that.
Clearly, the opinion is a valid one, Iâm just not clear why Monzo are responsible for not having done something that they havenât claimed to have done.
That still leaves it being half baked. They delivered what they promised, iâm not disagreeing, but this thread isnt about things they promised and failed to deliver. You can still deliver something thatâs badly implemented, and that will have an impact on the future when competition is knocking on the door.
In the context of this thread, its a valid concern i think. If they donât improve over basic functionality and poorly implemented features, they will fall behind everyone else.
No, it doesnât. But I wonât go and make the same points again or Iâll be shouted at for going round in circles.
Can i just make a point on this:
Summary was brought in as a replacement for targets and in my opinion was pushed to the masses far too early.
Chat again was brought in and pushed to the masses far too early and left alot of people confused and simply baffled at a lack of basics.
Tom made a very good analogy in the q and a about moving prepaid to current and the boeing plane mid flight and moving everyone across⌠i think with future features they need to take this approach and think is the customer experience on par or better with this change.
Iâd argue these were âhalf bakedâ in that customers in the short term were actually losing out on functionality. Ill admit in the long term the benefits will be clear but i have to say pushing things in this way to 1.2m customers is going to cause unnecessary bewilderment instead of leaving in labs or testflighting for longer.
I agree MVP process is great when you have a small ish set of committed tech âsavvyâ customers, when you have over 1 million maybe not so tech savvy customers, its just a potentially broken product 
that my friends, that Ive encouraged to use it, donât understand why this or that doesnât fully work - ah its a bug - Ok - but it doesnt work
Surely that only applies to the EU? I would imagine the US is more urgent, and you wouldnât have N26 in the way. Also I believe all you have to do is open a representative office somewhere in the Eurozone, so not the largest of hurdles. I may be wrong though?
I think if they offer a traditional marketplace where itâs a menu of stuff that takes you to someone elseâs site, then youâre right, but if they take the time to integrate things properly, like theyâve done with the savings pot (Investec) and the crowd round (Crowdcube), then the experience will make it worthwhile.
EDIT: Forgot to mention international payments (TransferWise).
I agree overall but I think it will be a case of time and money - these other fintechs are unlikely to agree to integration for free - they will undoubtedly want some form of incentive (other than just the possibility of more users). But i do think that integration is overall more important than just allowing the services to be viewable on the app.
Monzoâs aim it to a the hub in a hub and spoke model (unless things have changed?) so its whether those spokes are truly connected or that the hub just allows access to those spokes - interesting debate to be had on what it should be!