I don’t get this either. Barclays pay me 24 hours early, on the dot at midnight, every single time without fail.
Although i don’t mind the animation, despite my preference for something like this to be automatic, I do think users should be able to disable the fancy animations as an accessibility thing.
In the focus groups I’ve taken part in, I’ve learned that it’s a lack of consistency that leads to complaints with stuff like this.
I’d wager that the mere fact Monzo market this as a feature is why it leads to complaints. If it was just done, transparently, in the background, for eligible payments, and the time was consistent, there would be very few complaints.
People tend to worry when the experience alters slightly from the usual and expected. In that heightened, anxious frame of mind, they’re going to be hunting down that live chat button like it’s a chicken drumstick in the midst of a KFC chicken shortage.
The manual approach in theory should mitigate much of this, but it doesn’t, and I suspect it’s for this reason. Some times my upcoming payments for Monday will appear in my feed on Thursday with a message to come back on Friday at 4pm. Other times they won’t show up until some point Friday morning. When I get used to seeing it on Thursdays, then one day it’s not there, I do get anxious that my money hasn’t gone through. It always has shown up, but it doesn’t stop that feeling.
Although I know better than to go panicking to support and instead wait for the actual pay date to arrive, I can fully sympathise why many people will do that, particularly those living paycheck to paycheck, relying on this feature to get them by, because it’s very existence has shifted their budgeting period.