Some excellent ideas and thoughts in here - keep them coming!
Let me pick up on a few things:
So this is just a conversation starter - I think I’d be be simultaneously horrified and excited if Monzo just lifted and shifted this! I think I agree that the “home” tab isn’t quite right: maybe it should be called Accounts? I think the location would work better if it were the central icon, and if it were the default one when the app opened. So maybe keep help as a fifth tab?
I think there are probably better options! I like the idea of a search bar between the card and the feed, maybe. Or a more consistent design language for transfers - perhaps a button below the card where pot transfers are at the moment. I also think we need an enhanced search / filter capability - building on something like this, maybe.
This is interesting - I’ve tried to stay away from my individual interests or cares, instead trying to look for an overall paradigm that the app could pivot around. I think time works, but I’m sure there will be others. What really stuck me from your post (aside from the great feature ideas) was the notion of People as an important area. That’s probably the thing I thought about the most, and I’m still not sure has been really cracked in my thoughts - where do you best manage all that?
This is really insightful. For me, there’s the paradigm for the app (I’ve used time), then how the various elements fit into that. I think part of the problem is the skeuomorphic representation of cards on the carousel. I’ve said before that I think this encourages use of Monzo as a spending card, but more importantly, I think the hierarchy between the overall Monzo account, the current account, pots, connected accounts etc needs work - and clarity in the app.