Making identity verification more accessible

Hey, I’m Almo – a Senior Product Designer at Monzo. I’ve been part of the team for about two years now, and my mission is to design a more inclusive and sustainable future. I’m all about reducing inequalities, while helping customers build smart financial habits that can really improve their quality of life. Ultimately, my goal is to make money work for everyone!

As a product designer, I spend my days collaborating with awesome folks from research, data, and product teams, hunting for opportunities to make our customer experience even better. With a bit of trial, error, and lots of testing with real customers, we try to find simple solutions that turn the boring stuff into something that sparks joy!

In this blog post, I’m excited to share how we made signing up for a Monzo account easier and more accessible for people who are blind, use sign language, or are neurodivergent.

If you have any questions or are eager to learn more about what we do to make Monzo a more inclusive place to bank, feel free to reach out. I’m here to chat!

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Great work!

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This is brilliant, thank you to everyone involved. Accessibility is so important and can help a much broader audience than those originally in mind.

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Hey, thanks so much for your feedback! I’m really loving all the extra insights you’re sharing that we didn’t quite get to during testing.

Honestly, I’m not super familiar with Apple’s Live Speech, so I really appreciate you filling me in on how it can help folks who are neurodivergent. I’ll pass this along to our accessibility and inclusion manager to see if there’s anything we can do to make things even better for people like you.

Thanks again!
Almo

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Phenomenal work! This sort of thing is why I prefer Monzo out of the “challenger banks” on offer.

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Hello @almomitchell :waving_hand:

I hope you’re well?

I have a Monzo account which is my main bank account and if I need to prove identify I have to say a sentence or numbers.

Now, I also have a stammer which affects my speech, language and communication and sometimes (not all the time), I struggle to say either a letter, number, word or sentence.

I don’t whether there’s another member who has a stammer - but it could be helpful for me to help Monzo improve the verification - but from a stammering awareness point of view.

Is this something you’d be up for?

Jamie x

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Hey Jamie,

Thanks for reaching out and explaining the challenges our identity verification poses for you. We’d love to continue the conversation to see what can be done for folks that live with stammers.

Let me speak with our research team to see what the best way to move forward is. I’ll get back to you as soon as I get a response.

Thanks
Almo

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Hey Jamie,

I’ve been advised that the person I need to speak with will be back in the office next week, so I’ll catch up with them then and come back to you.

Have a great weekend!
Almo

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Too late for me as I’m closing my account this afternoon once my SIPP payment lands, but you really do need to greatly increase tge speed of your identity checks Monzo.
Locking my account last week for 2.5 hours while you verified my identity was not good enough.
My crime? Daring to pay my Santander credit card on their secure site.
If you ever find who you think was impersonating me, shake their hand for me and thank them for paying MY credit card off for me

Hey Anthony,

Sorry to hear about your experience. The identity verification challenge in sign up isn’t the same as in-app, so I can’t comment on what’s gone wrong. I’ll send your feedback to the appropriate team so we avoid something like this happening again.

In the meantime please reach out to our help team or submit a fraud report in the app if you haven’t already done so.

Almo

Something caused the transaction to be triggered for review, presumably it was a sizable amount, but in reality it could have been anything.

If it had turned out to be fraudulent, I’m sure you’d be shaking Monzos hand. Thankfully they did their due diligence and kept your money safe :+1:

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Hey Jamie,

Just following up on this again. A colleague of mine will contact you and we can go from there.

Have a great weekend!
Almo

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Hi @almomitchell,

Thank you! Have a fantastic weekend!

Jamie x