This is the problem. The people that complain aren’t doing so because Monzo have done something wrong. They think they have, so that’s why they end up here.
This turned out to be a faster payments because it was Christmas.
They’re all have the same theme running through them and it’s not Monzo’s fault in any of them. Making it auotmatic wouldn’t have paid these people, so they’d still be here complaining.
Making it automatic at 4:00pm or staggering it won’t change people complaining that their faster payment hasn’t appeared.