Discord

[Revels]

@richiehart

TO be honest I find this place pretty toxic - any ideas are swiftly and resolutely killed off, and any discussion is limited to a very conservative, reactionary outlook.

This just isn’t true. There are lots of threads in the feedback/suggestions sections that a great following and people think are good ideas.

Offer credit card

It would be ideal if you could offer a credit card, I want to stop having to deal with HSBC altogether but need a credit card for travelling (hotels, hire cars etc)

And

Pot to Pot transfers

So hopefully I haven’t missed the blinkin’ obvious here but I’d like to be able to transfer money from Pot to Pot. For example: my round up pot is looking healthy so I’d like to move some of it to a pot with a saving goal. At the moment I have to do two transfers instead of one.

as examples. You find it toxic because people aren’t agreeing with you. That doesn’t make it toxic.

@richiehart

I always believed that Monzo was going to upset the natural balance of things, to take it to the major banks.

Which they have. You can argue about Monzo vs Starling or whoever, but between them, they have forced the traditional banks to improve.

@richiehart

With this sort of pedestrian, sedentary approach to development, it’s no wonder this particular fintech is looking down the barrel.

It’s not “looking down the barrel” as has already been pointed out to you in your other thread. But if you can create a discord server in minutes, it has nothing to do with a “pederstrian approach” but because they don’t want to.

Monzo are very active on Instagram and Twitter, probably Facebook too. They don’t need to jump in on a niche chat channel that belongs in the 90s that is a mess of toxicity and spam.

Amongst the many things you don’t seem to understand, marketing and user acquisition is quite high by the looks of it.