Nah sorry I disagree. I still think you’re thinking much to much in the present. What if a new supermarket rose up with Monzo ideologies and shared there data in an effort to get people shopping there through some kind of improvements to shoppers lives? Then maybe the other supermarkets follow suit to not lose customers. What if a push for this happens and then legislature is brought in to enforce it. Plenty of ways in the future for this to be possible. Just because right now the leading supermarkets wouldn’t let it happen, doesn’t mean it could never.
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Lots of ‘what iffery’ going on there 
Then people who want to buy booze would shop elsewhere. Simple. That is what this is about.
I already said exactly that in my first post in the thread.
Unfortunately I’m not from the future and so when theorising about it I have to work in ‘what iffery’.
So you’re confirming that it is not completely unrealistic that these changes could happen and big supermarkets could send their data to Monzo. Now that’s over, lets carry on.
Do people with the gambling block ‘just gamble elsewhere’? (in this case, just pay for gambling elsewhere). Maybe, in-fact they probably do. Does that make the block useless, not at all. If it increases friction even slightly, it’s a good thing. Remember this is a self imposed block, not something they’ve had imposed upon them (probably again, who knows in the future!), so all the aim is, is to bring about a bit of friction that makes people think twice about buying these products since they themselves have said they don’t want to.
I’m trying to quit smoking. I last a few weeks then i’ll be queuing at a checkout, look at the doors hiding the ciggies and stupidly decide to get a packet. A block would help me in that situation as it’s a momentary urge and I doubt I’d walk to another shop
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Or Monzo just buys Tesco Bank, down the line.
Yes, it’s called ‘aspiration’.
I really hope whatever development goes forward that Monzo take an approach backed by psychology and social sciences rather than a design approach
In my very first post on this subject I said that. Please don’t pretend that you suggested something and I then agreed with you afterwards - the timeline is clear for all to see. 
As for the rest of your post, I have not commented on whether the existing blocks work or not so you are arguing against yourself there.
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That is really interesting. If you have that urge, and act on it, why would you not use a different card (on the assumption of course that you are carrying one - or cash)?
It’s not true to say that supermarkets wouldn’t send their data on. The nectar scheme means whenever you use your card the place you use it gets all the meta data to enable them to build up a profile of you and the places you’ve visited, purchases etc.
Granted Tesco are less likely to do so. However from an environmental position I can see companies being forced to provide electronic receipts.
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I only have 1 bank card. Credit card is somewhere in the house but I only use it for online
People could do that but having to stop and think is another level of friction. It’s never a decision I make until I’m standing at the counter so there’s no preplanning before hand. Similar to the gambling block, you could get round that in exactly the same ways but it seems to help people
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I imagine it will be a ‘self’ exclude. Just like the gambling option.
The only data that a supermarket or any other merchant would have to share here is where or not someone was trying to purchase cigarettes / alcohol etc. Not what or how much, just yes or no.
And Monzo could agree not to share that data with others.
Assuming they can set up the API & item level reporting, which is doable, I can’t see any reason why this isn’t feasible.
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C’mon.
There’s no pretending I suggested it, just saying its an example. If you made the example yourself, then why argue against its possibility haha.
I’m not saying you have commented on the existing blocks, and I’m not arguing against myself. Simply using them as an example since they closely resemble what any new block would be like, and so I think it’s safe to assume the behaviour of users using the new blocks would be similar to the existing ones! See @Rat_au_van post showing how this could be the case 
Anyway we’re now just talking about the talking, so back to the actual topic.
Does anyone know if the 1.1Bn in deposits is a new figure or we already knew it? In the other Fintech news article of the day, they say Monzo’s deposits are much much lower (less than half of the 1.1Bn figure quoted here!) So I’m just wondering if Monzo have published any data themselves on this recently.
It was 461.8 million year ending feb which is the figure from the annual report
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So it’s more than doubled in less than 7 Months?! 
There’s been a couple more customers joined since then
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Read the Graun interview earlier. Seemed pretty reasonable and uncontroversial. Just read this thread. Wow.
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A lot of recent threads appear to be of the ‘light-the-blue-touchpaper-and-stand-well-back’ variety. 
Strange. Summer holidays, kids off school, bad weather, something in the air?
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Funny to see the Monzo collective misunderstand something and get all uppity about it 
he says. “The average Monzo customer checks their app 15 times a week.”
Lightweights.
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