Desktop version of the Monzo app (full feature Monzo Web)

Yeah, not hybrid…

There is an issue with device features, but it depends on the feature really. In any case, there’s nothing to stop you doing a hybrid app that uses those features.
I kind of disagree with the ‘not really any easier’ - I mean the code base would be hugely similar across platforms, and it would mean you can actually use the web app for any platform, so long as it has a browser, rather than have to develop for whatever platform comes along, or ignore those platforms. It is the latter which seems to be happening.
It’s true, though, that there are less headaches in some respects, with native apps - ie it’s not all positive. There are tools to allow a single code base even without web technologies - such concepts aren’t unique to web. Ah, I see Kotlin is that:
“Kotlin is a cross-platform, statically typed, general-purpose programming language with type inference. Kotlin is designed to interoperate fully with Java, and the JVM version of its standard library depends on the Java Class Library, but type inference allows its syntax to be more concise.”

furthermore:

" but also compiles to JavaScript"

Perhaps there is some hope…personally I still doubt it.

Yeah, I think I’ll be closing my account when I get back from my business trip.

Most people just what an easy way to get to they money no hassle no messing having the the app on the app on your phone is right they just tap and go simple.

But I would like to see an iPad version of Monzo.

Side loading any app can be risky but as Monzo have said you can do it but they don’t office recommend it but it is up to the person if they trust what they are doung

Yup, but a web app is just as easy as a native app…there’s no advantage there…no extra ‘hassle’ or ‘messing’ that I can see…it’s identical actually…well, it should be.

I don’t want a native version on anything. I want a responsive web site/app that I can install on my phone or laptop’s home screen.

Yeah, side loading is dodgy, but there’s no choice. I would prefer it if Monzo put the apk on their web site, like some other app developers do (eg expressvpn), so there’s no dependency on Google or having access to Google.

…but it seems clear this isn’t in Monzo’s vision, so I’ll be off as soon as I can spare the time to do that.I doubt they’ll miss me, but it’s the only way I have of influencing their decision, and also getting what I want. Where to go, though, is another issue…all the major banks have web sites in addition to apps, so any of them would do, I guess…I suspect few of them are responsive though, so I’ll have to shop around.

True all major banks have a web based login and app for most phone table I would like to see a web based login and iPad apps but I don’t think Monzo will do this the may do an iPad version of Monzo this I think would be very helpful.

A web based login would be nice to see and very welcome but a lot of people but I don’t think will do this as this is nit they vision.

As for offer bank it Depends on what you what from a bank al, banks offer different things Sterling is simmer to monzo but different in offers.

It’s tough enough for Monzo to keep the Android and iOS apps up to date and in parallel, adding a 3rd seems excessive when it would be for a tiny %. Yes, a lot of the other banks have them but that’s because they were web first.

Mobile is only going to grow. There will of course be people that would like to use it on a desktop but if we want Monzo to push forward and implement new features, they’d need another team to cater for a minority.

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Yes, it should be a single code base, no matter what they use. It seems they’re using something that could be targeted at the web, so I don’t know why they don’t…probably some good reason.
The point is there’s no reason I can see (except effort involved with ‘change’) to not cater to all…not that they should just add another.

The good reason is that web usage on a desktop is dwindling and they are driving forward with mobile only.

And you can’t have a single code base for apps and a website. If Monzo was a web app that you used on your phone, people would leave in droves. They are terrible. Native is infinitely better.

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That’s both a matter of opinion and an absolutely massive and increasingly important point of debate, one which has been going for years and will continue to go on for years.

Biometrics aside, give me me one other thing in Monzo’s app that couldn’t be built to a similar/equal standard right now as a website?

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This is true the offer banks wore web first so they would if have the web version first monzo would grow better like it it is I know I said I would lie to see a web based login but maybe one day when monzo has grow it will but as you said right now it would cost too much and they would need more people to do this and that would mean more of a cost.

I would still like to see a iPad version of the app.

You can have 3. Security, stability and speed.

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And you can’t have a single code base for apps and a website.

Eh? Of course you can - well, largely you can. Web apps are apps. Web apps can go on app stores, as apps, and I guess it would be quite difficult for a user to tell the difference. Even when delivered via the web, they can be installed to the homescreen and then they are largely the same as native apps.

Yes, those are reasonable arguments, imo.

Not a native app.

You can add anything to your homescreen, that’s just a shortcut to your browser. But they aren’t as fast, secure, reliable or fluid as well built app that is coded for that platform. It would be a backwards step for Monzo.

I agree with you that a web version would be handy but for the small % that would use it, and even less people would use it going forward, it’s not worth the time/focus.

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Care to elaborate further?

Using stability as an example you provided, A PGA using progressive enhancement could arguably be far more stable. A PGA also means one codebase which can be more agile and requires arguably less developers, also erases the issue that is raised on this forum a lot of feature parity. Stability can’t be argued as Pro in terms of Monzo and it’s app being native when their default answer to everything is to Uninstall and Reinstall to fix it.

I’m neither web or pro native, as a web developer, I still find myself sitting on the fence. Having said that the web is becoming increasingly more powerful and increasingly more secure if things are done right. In my opinion It’s quite naive to say one is wholly better than the other for everything at this point in time.

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Maybe it’s just my experience.

But in 10+ years of smartphones and trying again and again and again, I’ve not yet found a ‘homescreen app’ that is upto the standard of a well written native app.

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that’s just a shortcut to your browser

That’s not correct. An installed web app is not the same as a shortcut to your browser.

The rest is opinion, which I disagree with. In some ways, web apps are more secure (nicely sandboxed). There’s no reason a web app would be less reliable, and they should be just as fluid for the sorts of things in this app. Remember, the browser is a native app, and we’re simply programming the browser.

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I can’t disagree with that.

The advantages are clear…web apps support every platform. Monzo uses technologies that can target javascript, so perhaps they can actually do that without switching their entire code base, as well as the team/skillset.

Native are better for several things, but I struggle to see any of those things in the Monzo app.

If they chose to or not, is another matter.

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The web has come a long way but I nit sure at this point where monzo is a web based longin is what they looking at as I dint think they are. I mean they have the iOS and android apps to lol after and update regularly with bug fixes and new features tested so that in its on right is challenge.

It have a web based loving and have it the same as the app in the same away to manage your money not just for emergencies. They would need a new team to make this happen witch would mean more cost I not say in the future they won’t bring the out but for now I don’t think they will they more on the app witch is great monzo works well on mobile but for some it would be great to see it on the web.
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I have absolutely no technical knowledge to be joining in with this discussion, but that is my experience too. Any app I have ever used which has been a web app in a wrapper (still downloaded from App Store), has been awful usability-wise vs a fully native app.

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I’m not saying that a web app is something that Monzo should do, I’d like one but i’m not saying they should do it. What I’m saying, is that it’s a naive point of view that they’re app would be worse than it currently is if it wasn’t native.

I wouldn’t advocate for Monzo to do such a massive change in technology at this point in their lifecycle. Just saying it’s certain possible to do.