This is funny. 
Whatās funny is a CEO getting into petty arguments on a semi-competitorās forum and pushing their product hard.
None of your posts have ever helped you sell Emma to me. A bit like the Yonder guys.
I meant the GIF is funny.
Iāve been trying out Money Hub , early days but seems pretty good so far
Emma has an issue in that it canāt make the correlation between bills to be paid out of pots or spaces. It constantly warns me that Iām going to go into my overdraft but Iām not because I have the bill paid out of a space or pot.
Great feedback, Iāll raise a ticket and weāll fix this.
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I donāt think itās the best look, but itās not Yonder bad.
I donāt think the Emma guy is necessarily on the wrong side of this either, nor that it is petty. I think itās just a case of poor timing and wrong audience.
Their aggregator competitors keep dropping like flies*, whilst Emma chugs along seemingly just fine, and their CEO seems very confident in their business model, and so touts it.
But itās a bit of preaching to the wrong audience who arenāt ready to hear it yet. Itās like when N26 shut down and so many folks on here were trying to convince me it didnāt matter because Monzo is just objectively better anyway. Which it wasnāt, and never will be, because although folks can argue, it will always be a subjective thing.
And I think thatās whatās happening here. These folks like money dashboard, and theyāre being offered a replacement that isnāt money dashboard and isnāt cheap, so I get the reluctance, and the want to poo poo the idea.
I think Emma has a good value product, I just donāt think the money dashboard audience are the right audience for that product. But I also think itās highlighted some points of friction that is probably useful feedback for Emma. I think a more refined and narrow feature-set at a lower price point might work well for the money box fans here (assuming theyād be happy to pay for the product as opposed to being the product). But equally, catering to that audience might not work well for Emma.
*I noted from doing the iOS beta wikiās that aggregators are disappearing from the App Store. I think we lost 3 or 4 between iOS 16 and iOS 17. I expect weāll lose more over time too. It certainly does feel like to me that Emma is the only safe one. Both in terms of privacy and survivability. But I do worry for the aggregators though, because it seems pretty trivial for a bank, or even a company like Apple, to run them out of business.
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@N26throwaway is sharp, great post!
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I personally admire @edo1493 for jumping in here. While Iām not an Emma user, nor will likely ever be, heās standing by the product regardless of the stuff being thrown at it. Bravo 
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It definitely is suitable for individuals, but theyāve been pushing for the joint market for a while. I suspect theyāre not getting the traction needed from individual members.
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It sounds and is way too complicated to achieve a simple goal though. In all likelihood, oneās partner will not want to also join and also pay Emma.
Monzo Plus does custom categories, and it does split categories too. I tried that for a while as a replacement, it really does not work, itās too muchn work.
Could you please explain why?
From a coding perspective, what makes it so difficult to define an account as joint and have a setting so that any balance and transaction values from that account are always displayed as 0.5x everywhere else in the app?
If Emma did that, it would be (according to my reasearch at least) the only app that does this, and the monthly fee would suddenly become a lot more justifiable.
They donāt need to - only one pays.
You are trying to replicate a spreadsheet.
MD is pushing people to Snoop in their closing email
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Yes, they offered us money to be mentioned, we said no.
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You mean he comes on here and searches for his company name to promote/defend it/himself at every opportunity with the excessive ego to go with it.
And somehow it seems to be allowed 
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No. Thatās what you mean. Rewind to post#77 to get context on the recent post (#79) which has triggered āopinionsā
If I ran a company with a product which, on a public forum, had features incorrectly described or referenced, I would expect to be able to post corrections and defend the product. No harm in that.
Flag posts if they break the forum rules by all means. Muting users can be also applied.
And the real eye-opener in all this is post#1, where Monzo did it by going their own way (thanks in large to Open Banking)
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I donāt think thatās particularly kind or fair, and I hope that sentiment doesnāt deter them away from engaging here. Weāre losing some of the best contributors on this community to the point where they have no desire to come back.
They didnāt come here in this instance purely to promote/defend themself/their company, they came to inform us that an aggregator was shutting down. Their engagement with us on here with respect to open banking is far better and far more transparent than what we get out of Monzo. They contribute a lot more to this community than what you insinuate. And I for one, very much appreciate that and enjoy the level of engagement.
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Thatās exactly what they did, twice now.
And yes, they engage as long as it suits them and as long as users are on the same wavelength. But I donāt think their engagement is handled particularly well
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Iāve rephrased it.