Once Monzo current account is launched, and iPhone/Android apps are working well, do you see Monzo slowly beginning to develop clients beyond the mobile device?
It would be great to see a client for the iPad, and eventually for the web and perhaps even for macOS desktop.
@tom has mentioned in his most recent interview that with the Marketplace, users should be able to access multiple financial services, all from a single app (Transferwise, Zopa, etc as examples). My concern is that with with monzo wanting to be the centre of your financial life and the current account sitting at the hub, when all these additional integrations are possible, the UI gets bloated, and crammed with menus, sub-menus etc, until it gets to a point where it takes multiple taps to accomplish a small task.
I don’t mind if I have to use all of my fintech services each with their own app (Transferwise, Nutmeg, Pensionbee) if it means not cramming/congesting up the Monzo app, and leaving it to do one function (current accounts exceptionally well).
On the other hand, if all of my financial services will truly be able to be managed in one place, the smartphone will be a great place, but I wouldn’t mind doing more complex tasks on an iPad/desktop. The concept here is really simple, as the device gets larger, the UI gets less cluttered, and users can undertake more complex functions with the integrated partners like Zopa etc.
Also, certain tasks are just better done on a desktop app, like downloading of web statements, searching through transactions, etc. It would be great to see Monzo be a truly cross-platform banking app in the future.