Monzo needs to have bot then too, it seems to be new industry standard. 
I worked with one IRC bot in the past, perl bot that basically saved logs from channel and was guessing response based on previous conversations and order of sentences. Bot was really good on Star Wars dialogues. Little bit of work and Monzo can finally be on par with competitors. 
Iām not so sure..for the reasons mentioned here -
I think they are RUBBISH and would rather wait until the next day for a human response.
It changes the customer experience from a top class experience to second rateā¦now were a firmās customer service poor it may appear an improvementā¦but that is not the case with Monzo (or Monese)
@alexs & @anon44204028 That was purely sarcastic, I hope that was clear? I added āsmirkā emoji! 
Though, if Monzo support would throw few Star Wars quotes, that might give them few bonus points with certain crowd.
I figured that was probably what you were requesting there 
Although if you ask, the team will probably have some for you.
Had it been StarTrek I may have spotted that
Live long and prosper
New 2017 PWC/BBA blog post:
New banks shed āchallengerā label and sharpen focus on distinctive offerings
http://pwc.blogs.com/press_room/2017/03/new-banks-shed-challenger-label-and-focus-on-distinctive-offerings.html
and report:
Who are you calling a āchallengerā? How competition is improving customer choice and driving innovation in the UK banking market
how does Atom bank compare - a challenger bank funded by an existing Bank - does that just make it a branch of BBVA ?
http://www.bankingtech.com/717711/atom-bank-goes-atomic-with-100m-funding-plan/
Based on what we know at this point, I think itās generous to call it a challenger bank. It looks a lot like a legacy bank but with no branches & a (currently still terrible - with mostly 1 star reviews) mobile app.
worth a quick look at the link to list of āchallenger banksā at the bottom of the article
From Dannyās articleā¦
Pretty impressive fundraising, in this context -
Taking just Android downloads, the Google Play Store lists only between 10,000 and 50,000 installs.
Also, a shot at Starling?
Emphasis mine.
We are very pleased with the response we have had from investors,ā said Anthony Thomson, the founder and chairman of Atom who previously founded another disruptive player in UK banking, Metro Bank. āOur customers benefit from the backing of highly reputable investors ā¦
Quite a harsh view Iād say. I recently opened a savings account with them due to the hike in interest rates they gave and I have to say opening an account in a few minutes was pretty impressive compared to what Iāve had to do with Barclays. As for my monzo appā¦ well it doesnāt seem to have changed in the last few months really so has the innovation stopped or are we seeing the slowdown due to now moving out of being just a pre-paid card? I think the competition have caught upā¦ from what I see in my monzo app itās all being done by othersā¦ loot, monese etc
We all love monzo (why else be on here) but the part you highlighted from the bloomberg article for me resonates just as much as a dig against monzo as it does starling. However we see their app performing (badly) they seem to have the credibility to be bringing in the money, which for a start up matters huge.
Iām hoping we get some big updates on the android side soon!
Iām sure Atom provide some great products for certain use cases, I was pointing out that theyāre a very different type of provider compared with Monzo.
Itās fair to say that the updates to the iOS app have slowed (though the Android appās obviously havenāt) & it seems like Monzoās time has been spent launching a bank - from what Iāve heard, that takes quite a lot of work! Iām looking forward to seeing which features theyāve built for the current accounts though.
I could point out the features that they donāt have but it doesnāt really matter at this point. Monzo gaining the full banking license will be a game changer 
As far as I know, Monzoās backers all have a good reputation?
Judging by whatās on the roadmap, it looks like theyāre on the way 
I can vouch for the fact that atom bank mobile app is truly dreadful. Facial recognition and voice id are tempremental at best. If the conditions are 100% okay then no issues, but in low light the facial recognition just fails to work. Just go with Touch ID and stop all the fancy stuff that doesnāt work? I deleted the app and will just load it on again when I need it.
The monzo app is light years ahead. If I were atom, Iād be cancelling any more money being flushed away and go for something more classier and something that works first time, every time in any condition!!
As you say, Iād be surprised if theyāre not rebuilding the apps on a new platform at this point & taking a more conventional approach going forwards.
I guess nowās the time to take risks & make mistakes (as long as theyāre not fatal!), while everyone doesnāt have a significant number of users.
Agree. In dawn or dusk, and inside buildings with subdued lighting, the facial recognition fails every time.
Always use a password as the best option as I canāt use fingerprint biometrics even if Atom had them.
I guess this belongs here?
Indeed it does, but as you will see earlier in this thread this has already been posted 3 days ago by another user.
Thanks anyhow for bringing it to our attention in case we had missed it.
So Starling have ā100āsā of beta testers at the moment & hereās a list of their features / services for anyone whoās curious:
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