true I they dine but maybe older generations off people would like this option 5o bank in the web I know mozon is all about have it on your smart phone and that works well but on web or on an iPad you get a bigger view some time this can be helpful.
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Mobile is more convenient when you want to track card payments, or do occasional money transfers
No matter how much someone would like sugar it, if you will have to do 100 money transfers on desktop it will be pain to do 100x copy&paste, but on phone it will be living hell
To be clear, Iām not saying I donāt WANT a desktop version, I very much do.
I just donāt think that having one (web based) version is the right thing to do. Mobile phones are easier to steal than desktops (with laptops somewhere in the middle?). Hence my desire for MORE security on the small easy to steal/lose device, and a nice web version for the desktop that is under my desk in my secured home (something like that anywayā¦ itās been a long day).
Mobile apps are great, but if youāre sitting at your PC filing monthly statements from all your other bank accounts it does make sense to be able to do that with your Monzo account as well rather than having to turn to your phone. Is there anything wrong with providing both?
I agree mobile phone are easy target to steal or lose or mobile get broken I nit saying a web base mozon will be better or more convenient but I think itās the next step and over all it would be nice to see a web base way to log in with full support so you can do every think the same as on phone
I also think it would be nice if a iPad version of they app would be made and if it was possible to nit just have the app on one device so say you could have it in iPhone and iPad.
I donāt think they is most bank provide both now and if monzo what to get more business in the the bank then for them they may need a web based way to log in and do every think.
What makes you think that a web version would be less secure than a native one?
I donāt. I think the device itās likely to run on is the issue.
Yeah, but itās the same device for the (hypothetical) web version as for the current native version.
Iām not following you, clearly 
If someone breaks into my house, gets past both my dogs (who are tame as hell but really loud!), gets my computer and manages to guess/hack round the password then they have access to my browser. From there itās passwords/codes only to āget inā to my account.
If someone steals my phone then they need to get past biometric security which is much harder.
Hence why I prefer an app because that can also be biometrical locked as well (phone then app to get past) so feels more secure to me.
Iām not sure why youāre talking about your houseā¦perhaps weāre talking cross-purpose since Iām arguing for a mobile web app that be used on your phone.
On the web on your phone, the thief also has to get past your phoneās biometric locking. IINM, the same security measures, or similar, can be put in place for the web app as for a native app (though Iāve not tried, so I donāt know - just relying on the results of a web search).
TBH, I still donāt see the additional security.
Why would you use a web app on your phone instead of just using the app?
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Because the app needs to be downloaded from a store, which makes you beholden to the people who run the store because that is how they make their money. Many phones canāt get to the Google Play store, for example - depending on the OS installed, and/or the phoneās location. Then thereās also the issue of trust with the people who run the store. Fortunately(?), I found the app on apkmirror, so I installed it from there; but I have this niggle in my mind - who are the people behind apkmirror? Can we trust them? How quickly are the apps updated? Can we trust Google who run the Play store when theyāre open to manipulation by the US government? I certainly donāt.
The web is the perfect delivery mechanism - only a single place to go - monzo.com - and you get right to Monzo themselves for the web app so thereās no (additional) issue of trust - and itās always up to date and everyone sees the same single version, and thereās only one version so itās easier for Monzo developers to develop so presumably they can spend more time on security and/or features. You can still install web apps on your home screen, so it doesnāt look any different to a native app.
The question should be, why use a native app when you can use a web app?
Because the vast majority of people couldnāt care less about anything you said?
Stores are a necessary evil (if you must), to access the mass market.
Fyi all your info is held via AWS, so youāve avoided the grasp of one corruptible US company and fallen into the lap of another.
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For what itās worth:
We donāt recommend installing sideloaded APKs as these have not been officially sanctioned by us.
But, APKmirror is run by AndroidPolice, one of the best known Android blogs there is. Itās still up to you whether you trust them enough to sideload an apk from there, and again, itās not something we can officially recommend.
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Ooh, harsh. 
The majority of people donāt care because theyāre ignorant (literally speaking) of that fact thereās a better way, one they already know and use many times a day, probably more than using the native apps.
You realise you can put web apps up on app stores too, right? So, people who insist on going to the app stores can still do so. Actually, I wonder what technologies are used in the Monzo native app. Perhaps it is hybridā¦I guess I could unzip the apk and take a peek.
AWS? They already have all my info, so I donāt know that removing Google from the list of dependencies in my life is a bad thing. AWS is something for the future. Ridding ourselves of such corporations is difficult, akin to a war, to be fought one battle at a time. In any case, I donāt think AWS has a whole lot to do with this discussion.
Yeah, itās not worth much, frankly (nothing personal). If it wasnāt available on apkmirror, I would have switched banks already.
Still, itās cool that the app has so little dependencies on Google Play Services, so it is almost completely functional - kudos for that. My phone doesnāt have Google Play Services, so that would be another reason I would have switched banks already. I forget what feature requires it, but Iām pretty sure Iāve seen the warning pop up somewhere.
Honestly, this is one of the weirdest things Iāve ever read on the internet. So congratulations.
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Iām not sure why you think itās weird. Perhaps itās just the analogy, which is fair enough. Perhaps a better analogy might be a diet. I go to coffee shops quite often, and I order a skinny coffee because it helps me lose weight, but I then order a millionaire shortbread to have with it. Some think thatās āweirdā, but in my mind, I have āwonā the battle against the full fat milk in coffee, small though that is, and Iām still fighting the battle against the shortbread.
Based on this from a Monzo Android Engineer job posting:
Our app is almost 100% Kotlin, mostly built using MVP (Model View Presenter), though we are currently transitioning to MVVM (Model View ViewModel). Weāve started to use Coordinators to help use re-use screens where we can. Our app is modularised by product feature.
We use RxJava heavily, Retrofit and Moshi for API calls and Dagger for dependency injection. We use Realm and Room for persistence, and Repositories for interacting with them.
Iām going to say not hybrid. Also, using a native app rather than a web app allows for better utilisation of device features (such as NFC card activation on Android). From a development standpoint, itās not really any easier to build a PWA (Progressive Web App) compared to multiple native apps. Native apps can actually lead to slightly less design and implementation headaches.
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