This is my response from another thread in regards to Monzo and its human interaction, or more particularly its lack of human interaction…
I feel as the bank grows it will need to adapt and take a few traditional banking methods along with it that work well for example call centres and helplines where one can speak to an agent direct to discuss any issues/problems they may be having with their finances etc. I am aware this bank is still in its early stage of development and thus its unlikely to occur anytime soon as they have other priorities which will need access to funding and development first, but its just a thought;
Anyway this was my response and I advise people to check out this thread as its got some very interesting/useful comments;
"I like the idea of Monzo opening its platform to a web-based form so that we can view our account details online on are laptops/desktops etc. I believe this is the main reason why a large majority of my family are prevented from using Monzo as their bank of choice.
I also believe that your statement regarding face-to-face connections is vital for anyone dealing with my finances. I believe that in the near future - Monzo will have to look at developing a call centre or helpline etc.
I found myself visiting the HQ just before the Christmas holidays and was shocked to find that even the lady at reception was unable to put me in contact with any individual and was more occupied replying to emails at the front desk. I even remember two individuals walking in their office for a meeting and they were told to sign in via the iPad displayed infront of them. Like literally even entering Monzo’s office their is no face-to-face contact or human interaction. I was very disappointed with this as all I wanted to do was set up a meeting with someone from the careers department at a future date but was advised to go on the app and speak through the Monzo help forum to book a meeting! like seriously, I was in the office right there and then and had travelled very far and all I wanted to do was set up a meeting which they told me to do via the app.
Not all pessimistic as I love Monzo and thus that is why I invested in the company and will continue to watch it grow, I am just also stating that I don’t want to loose human interaction with every service I am offered in the future especially ones concerning my finance."