This is a theme that comes up again and again on their forum.
I think the divergence between the people who write posts and the bulk of their users is probably even greater than other apps, as they’re targeting an even smaller group of users and groups that probably are not that interested in finance already.
Emma has always insisted on following their data and you have to respect that, I think. If the data is telling them “gaudy colours”, then they should totally stick with it.
I agree and think the design is a tricky one. Go too ‘modern’ or monochrome and you end up looking very corporate. Go down the middle and you risk just looking like a normal boring banking app. So they’re left with the option of ‘hot coral’ etc. Also I’ve turned off the ‘insights’ almost immediately and not sure who they’re useful for? The whole purpose of having a finance tracking app like Emma is that you are likely the type keep a very close eye on your spending! Was very easy to turn off and customise notifications though so not really a problem for me.
When you get to the screen that I’ve shared does it say Emma Technologies Ltd or does it say TrueLayer? I wonder if Emma is connecting directly to Santander for some users and going via Truelayer for others, and if this is contributing to a difference in what accounts are available (maybe using different version of the Santander API).
You mean non-payment accounts are not returned right? (payment accounts are shown/returned)
It also seems to also depend on bank. I have a non-payment savings account with TSB which is showing up in Emma.
I think the confusing part of the discussion above is @tom11 and I both have payment savings accounts with Santander but only mine seems to be accessible by API.
What we need is a change in the Open Banking legislation to force all accounts (or at least all transaction accounts, rather than payment accounts) to be supported by the API.
Some banks have chosen to go further than legally necessary and show these accounts anyway, but not many, and without all accounts working with Open Banking it’s not living up to it’s promise.
It’s a shame when credential sharing worked with almost all accounts.
I do think an API is better, but we need equivalent access to all accounts.
Credential sharing did cause some problems, like when you tried to login yourself at the same time that a third party was co-incidentally logging in on your behalf, the bank would not allow both logins.
Also, banks which displayed “last login” were always wrong.
