✅ Cheque Imaging 📱

I was told, by a Monzo employee in a chat, that a better solution for cheque processing was being worked on, albeit with no timescale able to be provided. I cant remember the exact wording unfortunately, but I do think/hope something will happen one day.

edited to say - they did say “in-app cheque imaging”

I think the last official thing we were told in relation to in-app imaging specifically was that work on it was being paused so effort could be redirected to other things, but it was not specifically cancelled.

I believe Monzo have said that, in the long term, they do plan to implement the feature.

As long as it isn’t changed to :soon: we’re all good :joy:

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I guess I can post this now, as this is quite old information.

I’m relaying something that my friend who works at Monzo said (different team). Essentially, a team tried to build this feature, but they couldn’t get it to work properly (a bit of a worry considering the legacy bank developers have managed). A lot of money and effort was put into it without success. It went from being a priority feature that was hyped internally to some comms having to to create a narrative about cheques not being relevant anymore.

Slightly embarrassing to be honest :thinking:

Hello person who just joined the community and whose dog knows a rabbit who knows a Monzo employee

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Given that Monzo have some incredibly intelligent people as part of their team, I’m disinclined to believe “they couldn’t get it to work” when they’ve already tackled much harder-to-tame beasts.

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Indeed. Say what you like about Monzo - and my word folk here do! - but there surely cannot be any doubting of their technical chops when they can take on projects like the (thus far flawless) FPS gateway

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I don’t believe this for one minute. The technical bits behind scanning a cheque (OCR) and submitting it are a piece of piss. A university student could probably manage the required programming.

I see no reason to disbelieve* the official line that the cost of developing the feature balanced against the expected benefits wasn’t considered worth the effort of jumping through the hoops required.

*This, to be clear, is entirely distinct to me agreeing with the official line that cheque imaging isn’t worth it.

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Adds to list of final year project ideas

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Can confirm I was a bog standard coder during university and I did an OCR project, so so much out there to help.

Also just to confirm im still a bog standard coder 5 years later :nerd_face:

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But just to be clear, they can’t just grab any “fan made” OCR code and use that. They’ll be best placed to build it entirely from scratch ensuring that it’s airtight from any potential vulnerabilities.

Oh yeah obviously, but it’s the kind of thing a team of developers can build in a few days and improve over a few weeks. Regulation and testing maybe a month but we’re not talking years

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There’s a post or article about the technical side of joining the cheque scheme, main issue was you have to schedule testing and launch with the scheme and they only do 2 slots per year, so they decided at the time that waiting another 6 months wasn’t worth it.

Edit

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Im suprised this didnt drop in the Monzo Plus feature :sweat_smile:

Imagining the state of this thread if so

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Lets… just say that we would need to hold some sort of peace negotiation :joy:

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Is this still a planned feature at all? :weary:

TL;DR is currently no!

But Monzo do hope to implement it some time in the future, although it isn’t being worked on right now. That’s the latest official word.

Yes, it’s a planned feature.

There is no timescale. Maybe this year, maybe not.

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ummm it’s on hold indefinitely (and has been for a long time now). Not sure you can say it’s a planned feature.

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