Emma Feedback Thread / Q&A


(Grant MacGregor) #1320

Hey @edo1493

Are there any plans afoot for connecting new banks?

Keep up the great work!


(Edoardo Moreni) #1321

Hey Grant, not yet.

We still have to develop lots of product first. :slight_smile:

I am checking now if we can get N26 live with Saltedge.


#1322

Oh no… was still hoping for a Revolut integration anytime soon! :wink:


(Edoardo Moreni) #1323

With an API, yes. :wink:


(Grant MacGregor) #1324

Any ETA to expect this?


(Splodf) #1325

I think that’s up to Revolut.


#1326

Isn’t there one yet? I guessed so as Tink (beta) allows to sync Revolut transactions.


(Edoardo Moreni) #1327

No, they store the credentials and reverse engineer the mobile API to get in.


(Andy) #1328

I have to say I’m not a fan of Emma’s new model. I have been a big fan of Emma up until now.

I understand the need to make a profit but not at the cost of releasing features that I consider should be free as standard i.e. custom categories.

I have moved back to Yolt, which has the added benefit of Wealthify and the addition of Amazon.

I have swapped between Yolt and Emma frequently when one pips the other in terms of integration and innovation and keep both up to date so I don’t have to start from Zero. Yolt is ahead again IMO, I’m sure I’ll return to Emma when it becomes clear new basic features should not be monitised.


#1329

Ah ok. And I understand this is something you are not planning of doing as well unless Revolut itself enables APIs… Correct?


(Edoardo Moreni) #1330

Yes, at this point, we don’t store any credentials at all; so to do that, it will require extra work, which has low priority. :slight_smile:


(Edoardo Moreni) #1331

The features that we have in the Pro plan are not in Yolt, so I am not sure what your point is.

In terms of integrations, yes, they do have Wealthify and Amazon. At this point, less than 0.1% of our active users have those two integrations, so it will take sometime for us to have them in the product. Regarding the first, we asked them 3 times, but they haven’t been open about this.


(Dan Baker) #1332

I would like to see offline accounts be added for the free tier, even if it just limits you to a certain number of accounts. Emma is a great app, but the lack of integrations with all my accounts and cards make it not very helpful for me personally.

MoneyDashboard has unlimited offline sources for free and also a decent web ui which makes it my go-to atm.


(Edoardo Moreni) #1333

Thanks for your feedback. :slight_smile:

At this point, we don’t have plans to release those features for free. There are people who are both inviting other users and paying to help us reduce our churn; so we are quite happy.

MoneyDashboard sells people’s data in the form of insights and we are not confident in taking that direction.


(Dan Baker) #1334

That’s completely fair enough, and I understand the decision you’ve made.

I look forward to future integrations. Mainly Tandem. But would also like to see NS&I, Marcus Bank and Atom Bank. But Tandem is the one that would get me to switch as I have a credit card and savings with them.


(Edoardo Moreni) #1335

Regarding Tandem, they should release an API at some point this year. We don’t know any ETA.

In terms of integrations, we monitor all of them and try to make everyone happy. Our goal is still to build the best product in the world and sometimes we need to prioritise stuff. We know some people might not be satisfied with this, but it’s either make something work extremely well or have every single integration.

We are choosing the first most of the time, unless we see that the integration is a must for everyone. This is one of the reason why we partnered with saltedge to release Tesco, Virgin, Capital One and MBNA.


#1336

I am in agreement with this. I think Emma have the nicest app of all the account aggregators, but is the worst in terms of integrations with established/traditional providers. Unfortunately, addressing this limitation seems very low priority.


(Edoardo Moreni) #1337

For example, I have just checked Wealthify and this is the usage 0.0088% on all the people who have an account connected to Emma.

I think Investments is a section we need to work on and I can see Wealthify, Nutmeg, MoneyBox, Vanguard, HL and others in there; but if these providers do not make the job easy for us, I can’t shift everyone and start building scrapers to get in there. :stuck_out_tongue:


(Edoardo Moreni) #1338

If you want to have multiple discussions about this, feel free to join our new new subreddit (https://www.reddit.com/r/emmafinance/). :slight_smile:


(Grant MacGregor) #1339