Direct Debits & Standing Orders (recurring payments) Feedback

@nanos it’s funny you say that, I was wondering about that myself

That’s not actually what Tom said. He said it was annoying for him. He also said it will be added in the near-ish future. He never said or implied those two were linked. Staff have previously said that this issue would be addressed, but it required non-trivial changes to the infrastructure, so it would take a bit of time. Most recently:

It has clearly not been ignored up to this point, just that the solution is not yet out.

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Ditto

Well, I guess correlation isn’t causation, I give you that.

But consider this change in narrative over just a few days:

  1. 13 days ago the status was “not sure. Really complicated. Maybe at some point. But what can we do in the meantime?” (This is my paraphrase of my potentially wrong understanding of the post you quoted above.)
  2. 12 days later: Along comes CEO and says “really annoyed because I got charged recently. Will be changed soon”.

Sure, the fact that CEO was annoyed by a charge may not be the cause for the sudden change from “should happen at some point” to “will […] in the near-ish future”, but then it sure is a coincidence …

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That is certainly a possibility, I guess this is getting into reading tea leaves territory. For what it’s worth, though, I read Hugh’s post 13 days ago as confirmation that Monzo had acknowledged the lack of retries was a real issue for people, were scoping out how to deal with it, but wanted to alleviate as much pain as possible in the meantime. As Hugh is not on the engineering side of things, I took his “should” to mean he doesn’t know what the engineering commitments are.

But the overall point is this: If you step back and look at when Monzo has developed features, it has not been based on what the CEO wants.

  • The timing of when direct debits come out was changed early on because of community feedback.
  • Joint accounts recently moved from, “maybe one day we’ll try and do something that meets people’s needs,” to, “this is happening soon.” All indications are that this is because of vociferous community feedback, not because Tom suddenly wants a joint account.
  • Pots were developed because the community requested them.
  • Coin Jar was a community idea which was then implemented in a matter of weeks.

If suspicion is raised whenever Tom shares his thoughts about points of friction and provides details of features in development, we’ll get less input. I’m not saying don’t question, but there was no indication in the comment that the CEO’s wishes are more important than the community.

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Well, to be fair: There wouldn’t be anything inherently wrong with that either.

Anyway, I see what you are saying. I feel there has been a distinct shift in how I perceive many of Monzo’s actions to a more corporate banking style, and that’s just one of them. That’s not even necessarily wrong. It’s just at odds with what’s often stated…

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I haven’t noticed this, what are the others?

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Well, I have discussed some of them with you. Not in a mood to go through them all again. But I suggest to use the search functionality to find them if you want to refresh your memory …

I genuinely have no idea what you’re referring to. Which keywords should I use “corporate”, “suit”, “PPI” or ..?

very funny!

How about overdraft or transparency to name just two. (Is your memory really that short lived?!)

Ah so you’re talking about business decisions, ok, thanks!

yes absolutely. Sorry, I thought that was clear.

Those are two strange examples, as Monzo have been very transparent about the overdraft plans from the beginning, and there’s nothing particularly corporate about overdrafts, they chose a price and are trying it out. But in terms of ‘style’ they continue to engage with the community and develop the product based on feedback. I’m not sure which corporations you’re referring to that have a similar style, but would love to know.

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Wrong choice of words by me. Apologies.

Anyway, i have made my position clear on this previously, and don’t want to take this thread more off topic, so if it’s OK with you, then I’d say let’s just leave it at this. :slight_smile:

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Not sure if this has been mentioned, but what about being able to add your own picture to standing orders? Those so inclined could then have the logo for the company showing

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What I’d really like is the ability to click on a Direct Debit and get last payment history - such as last paid and how much. That helps me work out what’s going to who and when.

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That looks like it’s coming in the next month: https://monzo.com/blog/2018/05/22/making-monzo-better/

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Is this new? A notification to tell you the difference between your last payments:

image

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When I look at my list of Direct Debits, several of them don’t have logos or clearer merchant names. However when the DD is paid, they are there.

For example, in my DD list, EE appears as:
image

Whereas in the feed, it appears correctly:
image

Not sure why these wouldn’t be in sync but it’d be good if there was an ‘Improve name or logo’ button on the DD screen.

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I had this today for my Amex bill, It was nice to see the difference was :arrow_down: :sweat_smile:

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