I always want to know how my funds are going compared to the same time last month and last year - it would be great if there was a little chat or report that could show that. At the moment I have to scroll back and forth which is clumsy and time consuming.
Monzo is all about managing money better and that would be a big help.
Exactly. Iâve had fifteen years across various banks of exporting data, importing it into a spreadsheet and graphing that.
I think there may be aggregating services like âmoney dashboardâ that I could use⌠but it would be super convenient to just have it in the monzo app.
I do not miss the Pulse Graph as Iâve never done that âlooking backâ thing, and it took up a quarter of the screen to tell me something that couldâve be handled better/smaller.
I think the problem with this sort of thing is that itâs usability is limited and offering one solution to one set of customers does nothing for all of the other sets of customers who would want a different solution. If Monzo work out how to crack that, then great, but until then, all of these âbespokeâ solutions run the risk of alienating the proportion of the customer base who just see it as a waste of space (or a mess of toggles which is just as bad).
I think a âminimalâ approach is where weâre heading at the moment.
Sorry it comes across that way. I thought I was just suggesting that different people needed different things that would be a challenge to do well. I guess we can never account for the âvoiceâ people read things in.
Removing options in an attempt not to overwhelm the user is understandable, as long as those of us who wish to do so have a way of managing our money effectively. If that means that Monzo simply expose the data and users have to develop their own third-party tools then fine, as long as theyâre supported.
If it turns out I switched to Monzo for a more modern and effective organisation of money, and now itâs deciding to over-simplify, that is also fine. App-banking is an emerging market with lots of competitors springing up, so Monzo has an opportunity to carve itself a niche, and simplicity has proven a winner for tech before.
Personally I need functionality, so will be watching to see how this develops!