✅ Cheque Imaging 📱

[simonb]

@Anarchist

It’s also worth pointing out that there wasn’t much point in voting for it, when it was going to be happening soon anyway.

I don’t know if I’d agree with that.

Committed Spending Pot is at the top spot, votes-wise and we’ve been working on that for ages, even to the point of having a staff build that we shared screenshots of and talked about in depth.

[HoldenCarver (Nick)]

@simonb

Committed Spending Pot is at the top spot, votes-wise and we’ve been working on that for ages, even to the point of having a staff build that we shared screenshots of and talked about in depth.

I think the difference between the two is that Committed Spending Pots has never had a public timeline, while Cheque Imaging did (until it was kicked into the long grass).

(ETA: I think cheque imaging would be cool but if it doesn’t happen, I have a legacy account I can deposit cheques to anyway. Committed Spending Pots would be much more useful to me on a regular basis.)

[HoddzDJ]

I feel a bigger percentage of users will make use of Committed Spending Pots compared to cheque imaging.

[Ordog]

@HoldenCarver

I think cheque imaging would be cool but if it doesn’t happen, I have a legacy account I can deposit cheques to anyway. Committed Spending Pots would be much more useful to me on a regular basis

I think this is a good summary for the majority of people in this topic

Don’t forget you can still use Snail Mail for those non-urgent cheques from your granny

[simonb]

@HoldenCarver

I think the difference between the two is that Committed Spending Pots has never had a public timeline, while Cheque Imaging did (until it was kicked into the long grass).

That’s fair, and I guess is the perceptive difference from being within the company to being outside of it.

From what I know (and I may very well be wrong since I’m not in the trenches directly) the timelines with regarding to cheque imaging were more to do with the fact that the Image Clearing System, which is the official scheme that you must join, operated by the Cheque & Credit Clearing Company, have specific windows that you have to agree to, and if you don’t meet that window, there’s a significant time period before the next one.

So the timelines stated were more about our understanding that we could get everything built and working and be compliant before a future window from them, which, if everything went well, would then be accepted and approved for roll-out. Does that make sense?

So it’s not like we did a bunch of work, could put a few more hours into it and then roll it out as a full working feature right away. It was more like - how much work (both technical and paperwork) is required, do we think we can meet a realistic window for this any time soon, and what other work would we need to drop in order to do that, and are we comfortable with deprioritising other work in order to do that.

[DazF (Daz Fisher)]

I dispute this!
It was the highest on likes as I can recall before it was removed from the road map.

[simonb]

We were discussing the Community Feedback & Ideas voting section here on the forum

Think you might be referring to the in-app roadmap, which is separate?

[Ordog]

I wouldn’t contact Monzo because that will be a waste of time and effort for everyone.

Everything you need to know is here:

Making Monzo: Cheque Imaging

Hello👋 I’m Louis and I work in the Payments team. Earlier this summer we shared our plans to help you pay in cheques just by taking a picture. To bring you this feature we need to join a new payment scheme called the Image Clearing System. In June, we said we were working towards offering it at the start of 2019, but we have had to push this back to August. Why? We prioritise projects that will have the biggest impact on our customers. So for the past few months, we’ve been working hard on t…

And in this topic.

[DazF (Daz Fisher)]

Indeed I was, just not sure the statement you made was a fair reflection in cheque imaging.

[gt94sss2]

Are there any stats for the % of users who actively use pots? I never have.

As has been said by @DazF, I seem to recall that. Cheque Imaging had 100s if not thousands of votes in the in-app roadmap…

[simonb]

Yeah, that’s a fair point.

Ultimately the decision comes down to the people who actually have to build the thing and their knowledge of what priorities would have had to shift for them in order to meet that first deadline. I really don’t think it’s a decision they took lightly, so it is what it is.

[aCCount]

@simonb

I really don’t think it’s a decision they took lightly

And yet they appear to base their decision on one of the most flawed statistics I’ve ever seen

[Ordog]

As well as a whole bunch of other things. Did you read his earlier comment?

[matthewhillman]

Barclays do this. No need to even send the cheque just scan and done.

[henryletton]

An option within the app that would allow users to scan in their cheques (like in the Lloyds bank app for example) rather than sending them in.

[anon42572914]

This has already been discussed many times and had been put on hold until further notice.

When posting ideas, I suggest you search the forum first just in case someone has already suggested the same or similar idea.

[anon42572914]

Making Monzo: Cheque Imaging

Back in June we announced our plans to let you pay in cheques, just by taking a picture! In this thread, we’ll share updates and screenshots of how we’re getting on. Update 3/1/18: We’ve had to push the launch date of cheque imaging back a bit. Here’s some more info about why - In the meantime, we’d love to hear from you… What do you typically receive cheques for? How much are the cheques worth? How often do you personally write cheques? (And what for?)

[henryletton]

I tried scrolling through the forum but didn’t see it, probably looking in the wrong place but good to hear it’s already being planned

[danbeddows (Dan)]

Hi @henryletton, I’ve moved your thread into the other cheque imaging thread to keep things tidy. I hope that’s okay.