I questioned this months ago, I still don’t understand how you can save up to £600 by using the app especially when I know that my bills are all good and if there were any savings to be had I’d get them myself.
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I’ve downloaded the app. The design is nice. I’ll see how useful it proves to be.
I agree with you, but in fairness, it’s not aimed at people like yourself.
I could argue that Monzo doesn’t give me a better handle on my finances, because I have an intricate spreadsheet detailing where every penny has been and gone (mainly gone…).
But I wouldn’t necessarily tell everyone “Monzo doesn’t do what it claims”.
EMMA is for people who aren’t as good with their money, and in theory, it could save them money if they get a better handle on their finances.
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Agree, but when I first saw that £600 figure I thought that it sounded specific enough to have some science behind it and that I might - somehow - be able to benefit.
I like Emma, but I worry that this is pushing the bounds of fair advertising. Personal view - others’ will vary!
Mine does?
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This is true.
I wish I had this kinda stuff when I didn’t also have very detailed spreadsheets managing my finances…
Don’t think it mentioned Emma originally so ignore my reply as that’s directly from within Monzo.
Yes, Monzo doesn’t give us account number and sort code. 
Grant is referring to our new feature.
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Installed the Emma app, and put in my phone number as you have to - then I get texted a code, and I have to accept Facebook’s terms of use and data policy. Facebook are absolutely the last people I want to know anything about my finances, what do they get to see and why do we need to agree to them getting involved?
EDIT:
@alexs I see it’s been spoken about before, but looking at Facebooks AccountKit FAQ they state the following:
What information does Facebook receive when I use Account Kit?
If you use your email address or phone number to log in to an app with Account Kit, Facebook will send you an email or SMS confirmation code that you can use to log in to the app. In addition to receiving your phone number or email address, Facebook also receives information about the device you’re using as well as other information that app developers may choose to share with us in order to use Facebook tools in their apps. Facebook uses all the information it receives to provide and improve its services, including personalising content, tailoring and measuring ads, and providing a safer experience. Please see our Data Policy for more information about the ways Facebook collects, uses and shares information. Please also review the terms and policies of the app that you’re using for additional information about their practices.
Could someone at Emma categorically state what information (if any) they share with Facebook as I couldn’t get a handle on that 
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There has been a lot of discussion about this in this thread already. To save anyone repeating themselves I’d recommend searching the thread for Facebook & reading through the comments.
To answer the question that you’ve just added -
There has been a lot of discussion about this and the developer’s response is more or less indifference.
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Thanks for that, I think @anon23462991 is correct, quite an indifferent answer from the developers.
Stating "the only thing Facebook knows is… doesn’t fill me with nearly as much confidence as “We categorically never share any personal information with Facebook at any point, and they have no way of accessing any of our applications data” or something to that effect. I won’t be burnt by the Facebook definitely don’t know that about you bug again.
I’d like to try Emma, but until they offer different methods of signing in (what’s wrong with username and password with 2FA?) I won’t bite, but will wait patiently
The issue with Facebook is that no matter what Emma intentionally shares with them, there’s no telling what their SDK collects under the hood without Emma developers even knowing about it. It’s like embedding malware in your app and trusting the malware creator to “only” do a little evil but not too much. As far as I’m concerned Facebook is malware.
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It’s okay. We like Facebook Account Kit and are keeping it. 
Maybe we’ll be able to migrate in a few months, but not our focus right now.
Regarding Facebook being a malware, well there are 2 billion people that would disagree on that, but I don’t want to get into this. I find it extremely boring.
Thanks for the feedback.
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I’m a huge fan of Emma Edoardo, but I find your reply to be dismissive and unhelpful. These are potential customers who have concerns. Facebook have shown themselves to be extremely untrustworthy with people’s data and just because they’ve pulled the wool over a huge number of users’ eyes doesn’t make them safe.
I don’t get why you can’t categorically state that Facebook don’t see the Emma user’s data?
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We have already stated multiple times that Facebook doesn’t see the Emma users’ data.
Facebook only knows that a given number is associated with a given app.
This is not even the Facebook Login that caused all the Cambridge analytica mess. It’s a different tool that allows us to verify a number, adding 2FA on top of our infrastructure, which means being more secure.
There are different tools out there that actually perform the same action: Google Firebase, Facebook Account Kit, Twilio, Nexmo and plenty others.
According to the language we used to code the app, at the time, when it was just me and my co-founder, we opted for Facebook because it was super easy to integrate. The others would have required us a few months of work.
The good news is that it’s not just me and my co-founder anymore; so we have more time to revisit all the decisions made and we will swap this with Nexmo, because it’s much more integrated with the signup flow.
I completely understand there are a few people who have a problem with Facebook, but at this point, the current flow converts 99% of the time, so it’s not something we are changing this week.
I hope we can get this done in September or later, with the ability to change phone number from the app. We still lack this too.
Other than this, I have no idea how to explain it further. Enjoy the weekend, I need to get back to work.
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There are different tools out there that actually perform the same action: Google Firebase, Facebook Account Kit, Twilio, Nexmo and plenty others.
The difference being that Twilio and Nexmo make their money on providing great service instead of stalking people. 
I understand you had to make compromises at the beginning but I’m glad you finally saw the light at the end of the tunnel and are looking at switching to a non-creepy option. 
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Thanks Edoardo!
No problem.
Not yet, we are waiting for Paypal to give us an answer. 