Monzo for Android - Teardowns & Deep Dives šŸ‘Øā€šŸ’»

Developers
668

Do people get warned off posting the breakdowns on here? :thinking:

669

I donā€™t think so, a few Monzo staff have publicly commented that they find it fascinating what people find on here, I just think itā€™s a lot of work which is generously done by people in the community. The people that normally do them are probably just busy

5 Likes
670

I never did! :grin: And I was doing teardowns for over a year :stuck_out_tongue_winking_eye:

The only thing I ever chose to hold back, for 1 day, was the crowdfunding code back before that happened because I figured there was going to be a lot of press coverage & wouldnā€™t want to have stepped on any toes :yum: but whenever Iā€™ve spoken to Monzo staff about it (before I started working here), they were all very happy for me/the community to be doing teardowns :hot_coral_heart:

18 Likes
671

Then you abandoned us :sob: :broken_heart:

9 Likes
672

Yes, significantly. Things like much higher cash usage, much lower contactless/chip and pin adoption, different attitudes towards tipping etc.

The reason behind this screen specifically is because it is very common to be paid bi-weekly or weekly in the US, unlike the UK, and weā€™re experimenting with approaches to help people budget around those pay cycles.

7 Likes
673

Pay cycles, that makes sense.

Cash usage, low contactless, are a puzzle, canā€™t imagine features that revolve around those that donā€™t apply to both sides of The Atlanticā€¦ tipping for sure though!

Not a complaint BTW, genuinely curious to the challenges you face.

1 Like
674

Iā€™d also be curious why pay cycles should be US specific. If the work Monzo-side is done, why not make it UK too? I know I, for one, get paid weekly :man_shrugging:t2:

6 Likes
675

Actually yes, I do too. Not quite sure how that skipped my attention (pre-caffeine brain be damned!).

676

Yes, for those of us who are paid fortnightly too.

677

3.21.0 has landed - no real visible changes, but sounds like lots under the hoodā€¦

Anyone got any insight? I might have to reinstall some tools on my laptop to take a look

1 Like
678

They definitely dropped some hints that there is some exciting stuff in the update. Will be good to see what tear down shows

1 Like
679

Really missing these tear downs if anybody fancies having a goā€¦ pwetty please

1 Like
680

Very disappointing.

681

I am not Android developer so it is really not my thing, but new strings in 3.21 since 3.20:

<string name="affordability_info">Info</string>
<string name="business_signup_confirm_identity_message">We need to confirm itā€™s really you as a safety measure.</string>
<string name="business_signup_confirm_identity_primary_button">Confirm Identity</string>
<string name="business_signup_confirm_identity_title">We need to confirm your identity</string>
<string name="card_activation_confirmation_title">New card activated</string>
<string name="card_design_name_business_boulder_grey">Boulder Grey</string>
<string name="card_design_name_business_pebble_grey">Pebble Grey</string>
<string name="card_replacement_intro_expired_description">"Your cardā€™s expiring soon or it already has, so itā€™s time to order a new one.

If your card hasnā€™t expired, you can keep using it until you activate your new one."</string>
<string name="card_replacement_intro_title">Order a new card</string>
<string name="card_replacement_send_action">Confirm address</string>
<string name="com.crashlytics.android.build_id">b8e8ed9f-92c3-4ddb-a030-f1cfe7e5de3f</string>
<string name="declined_loan_repayment">Missed</string>
<string name="deep_link_payment_initiation">payment_initiation</string>
<string name="developer_options_pref_key_ephemeral_environment_id">key_ephemeral_environment_id</string>
<string name="fraud_check_body">"\### Could someone be trying to scam you?
It looks like youā€™re sending money to an account you havenā€™t paid before. Please make sure you know the person or company youā€™re paying. Phone them directly to double check. And always use a number from their official website. Only fraudsters will tell you to ignore warnings like this. If we need to call you weā€™ll always let you know in advance by email or in-app chat. Weā€™ll never call you out of the blue.
### Common signs of a scam
- The offer seems too good to be true, or doesnā€™t feel right.
- Someoneā€™s pressuring you into making an unexpected payment. Fraudsters often pretend to be companies like Monzo, the police or HMRC.
- Someoneā€™s contacted you unexpectedly and said your account is at risk, and that you need to send money to another account, or a ā€˜safe accountā€™.
- Someoneā€™s asking you to take out a loan and send it to another account. They might say the accountā€™s in your name, even though it isnā€™t.
### If youā€™re unsure, stop
If you have any doubts, stop and [get advice](https://monzo.com/blog/2019/05/23/protect-yourself-agains-app-fraud) from your bank, a family member or friend. You may lose your money if this payment turns out to be a scam."</string>
<string name="fraud_check_continue">Continue payment</string>
<string name="fraud_check_hint">Please read the advice to continue</string>
<string name="fraud_check_stop">Stop and go back</string>
<string name="fraud_check_title">Protect yourself against fraud</string>
<string name="fraud_confirm_checkbox">I understand and want to continue</string>
<string name="fraud_dispute_pick_initial_transaction_title">Which transactions is this about?</string>
<string name="loan_affordability_submit">Next</string>
<string name="loan_affordability_title">Questions</string>
<string name="plans_home_loading_description">Weā€™re still hooking up your account to work with your new benefits. Check back again later.</string>
<string name="plans_home_sync_error_description">It could just be the internet connection. Try refreshing the page.</string>
<string name="plans_home_sync_error_title">Couldnā€™t refresh features</string>
<string name="plans_loading_error_description_fallback">Make sure youā€™re connected to the internet before retrying</string>
<string name="plans_loading_error_title">Nothing to see here</string>
<string name="plans_loading_title">Setting up your %s membershipā€¦</string>
<string name="plans_month_suffix">/mo</string>
<string name="plans_price_free">Free</string>
<string name="pot_empty_product_reminder_confirmation_subtitle">Youā€™ll get a notification when weā€™ve got new %s rates.</string>
<string name="pot_empty_product_reminder_confirmation_title">Weā€™ll let you know</string>
<string name="pot_type_empty_product">Remind me</string>
<string name="pot_type_empty_product_subtitle">Weā€™re working on getting new rates, check back later</string>
<string name="select_category_edit">Edit</string>
<string name="select_category_edit_title">Pick category to edit</string>
<string name="special_offers_all_offers">All offers</string>
<string name="special_offers_use_now">Use now</string>
<string name="transaction_loan_action_add_money">Add money</string>
<string name="transaction_loan_action_get_back_on_track">Get back on track</string>
<string name="transaction_loan_action_help">I need help with a payment</string>
<string name="transaction_loan_initial_deposit_paid_subtitle">This is the money you asked us for when you set up your loan.</string>
<string name="transaction_loan_initial_deposit_subtitle">This is the money you asked us for when you set up your loan. Youā€™re paying it back over %1$d months.</string>
<string name="transaction_loan_scheduled_repayment_failed_subtitle">This would have been monthly repayment %1$d of %2$d you set up to repay your %3$s loan. If for any reason youā€™re unable to pay please let us know as soon as possible.</string>
<string name="transaction_loan_scheduled_repayment_successful_subtitle">This is monthly repayment %1$d of %2$d you set up to repay your %3$s loan. If for any reason youā€™re unable to pay please let us know as soon as possible.</string>
<string name="transaction_loan_scheduled_repayment_upcoming_warning">This payment might fail</string>
<string name="transaction_loan_stc_initial_deposit_subtitle">This is the money you asked us for to spread the cost of your purchase.</string>

9 Likes
682

api/ApiAmountCell.smali
api/ApiTotalsRowJsonAdapter.smali
api/CancelRequest.smali
api/ApiPlanSubscription.smali
api/ApiPlanAssets.smali
api/ApiFeatureRow.smali
api/ApiLegalsJsonAdapter.smali
api/AvailablePlansResponseJsonAdapter.smali
api/ApiLegalDocumentJsonAdapter.smali
api/ApiPlanAdditionalFeature.smali
api/PurchaseRequestJsonAdapter.smali
api/ApiLegalDocument.smali
api/ApiComparisonTable.smali
api/ApiActivePlanFeature.smali
api/ApiFirstCardOrderJsonAdapter.smali
api/ApiLimitationsJsonAdapter.smali
api/ApiInsuranceProviderJsonAdapter.smali
api/ApiPlanHeadlineFeature.smali
api/a.smali
api/PurchasePlanResponse.smali
api/ApiPlanDefinitionJsonAdapter.smali
api/ActivePlanResponseJsonAdapter.smali
api/ApiFeatureRowJsonAdapter.smali
api/ApiFeatureDetail.smali
api/ApiPlanInterstitial.smali
api/CancelRequestJsonAdapter.smali
api/ApiPlanHeadlineFeatureJsonAdapter.smali
api/ApiActivePlanFeaturePage.smali
api/ApiActivePlanFeatureJsonAdapter.smali
api/ApiActivePlanSectionRow.smali
api/ApiHeaderRowJsonAdapter.smali
api/ApiComparisonTableJsonAdapter.smali
api/ApiInclusionsAndExclusions.smali
api/ApiExtendedCardInformationDetail.smali
api/PurchasePlanResponseJsonAdapter.smali
api/ApiActivePlanSectionRowJsonAdapter.smali
api/AvailablePlansResponse.smali
api/ApiExtendedCardInformationDetailJsonAdapter.smali
api/ApiActivePlanJsonAdapter.smali
api/ApiCardDispatchInfoJsonAdapter.smali
api/ApiAmountsRowJsonAdapter.smali
api/ApiActivePlanSection.smali
api/ApiConsequence.smali
api/ApiInclusionsAndExclusionsJsonAdapter.smali
api/ApiAmountsRow.smali
api/ApiReplacementOrderParameters.smali
api/ApiPlanInterstitialJsonAdapter.smali
api/ApiActivePlanSectionJsonAdapter.smali
api/ApiCardDispatchInfo.smali
api/CancelResponse.smali
api/ApiPlanDefinition.smali
api/CancellationDetailsResponse.smali
api/ApiAmountCellJsonAdapter.smali
api/ApiComparisonComponent.smali
api/ApiConsequenceJsonAdapter.smali
api/CancelResponseJsonAdapter.smali
api/ApiComparisonComponentJsonAdapter.smali
api/ActivePlanResponse.smali
api/ApiPlanAssetsJsonAdapter.smali
api/ApiPlanSubscriptionJsonAdapter.smali
api/ApiLimitations.smali
api/PlansApi.smali
api/ApiActivePlanFeaturePageJsonAdapter.smali
api/ApiLegals.smali
api/ApiFirstCardOrder.smali
api/ApiImageCell.smali
api/ApiReplacementOrderParametersJsonAdapter.smali
api/ApiActivePlan.smali
api/ApiFeatureDetailJsonAdapter.smali
api/ApiTotalsRow.smali
api/ApiHeaderRow.smali
api/ApiImageCellJsonAdapter.smali
api/ApiInsuranceProvider.smali
api/ApiAdditionalCardInformation.smali
api/ApiAdditionalCardInformationJsonAdapter.smali
api/PurchaseRequest.smali
api/ApiPlanAdditionalFeatureJsonAdapter.smali
api/CancellationDetailsResponseJsonAdapter.smali
api/CategoriesApi.smali
model/ApiEditCategoryBodyJsonAdapter.smali
model/ApiEditCategoryBody.smali
model/CategoriesResponseJsonAdapter.smali
model/ApiCategory.smali
model/ApiCreateCategoryBody.smali
model/ApiArchiveCategoryBody.smali
model/ApiArchiveCategoryBodyJsonAdapter.smali
model/CategoriesResponse.smali
model/ApiCreateCategoryBodyJsonAdapter.smali
model/ApiCategoryJsonAdapter.smali
api/MerchantSearchResponse.smali
api/LocationJsonAdapter.smali
api/Location.smali
api/MerchantSearchResult.smali
api/MerchantFeedbackApi.smali
api/MerchantSearchResultJsonAdapter.smali
api/MerchantSearchResponseJsonAdapter.smali
api/BillPaymentFromPotJsonAdapter.smali
api/LeftToPayFromPot.smali
api/ApiBillsPotIdsJsonAdapter.smali
api/BillsPotApi.smali
api/SetPaymentsFromPotRequestJsonAdapter.smali
api/SetPaymentsFromPotRequest.smali
api/PotsApi.smali
api/BillPaymentFromPot.smali
api/LeftToPayFromPotJsonAdapter.smali
api/ApiBillsPotIds.smali
model/FixedSavingsPotDetailJsonAdapter.smali
model/ApiPotJsonAdapter.smali
model/ApiPotDetail.smali
model/ApiPotUpdate.smali
model/InterestStatementPeriodJsonAdapter.smali
model/InterestStatementResponse.smali
model/ApiPotProduct.smali
model/NationalInsuranceNumberCheckResponse.smali
model/InterestStatementPeriodsResponseJsonAdapter.smali
model/InterestStatementResponseJsonAdapter.smali
model/ApiCharitiesJsonAdapter.smali
model/EasyAccessSavingsPotProduct.smali
model/ApiPot.smali
model/EasyAccessSavingsPotProductJsonAdapter.smali
model/FixedSavingsPotProductJsonAdapter.smali
model/ApiCharityJsonAdapter.smali
model/InterestStatementPeriodsResponse.smali
model/ApiCharities.smali
model/FixedSavingsPotProduct.smali
model/ApiCharity.smali
model/SavingsPotDetail.smali
model/NationalInsuranceNumberCheckResponseJsonAdapter.smali
model/ApiPotUpdateJsonAdapter.smali
model/SavingsPotDetailJsonAdapter.smali
model/FixedSavingsPotDetail.smali
model/PauseMovingMoneyRequestJsonAdapter.smali
model/ApiPotProductsJsonAdapter.smali
model/ApiPotsJsonAdapter.smali
model/ClearMovingMoneyRequest.smali
model/ApiPotDetailJsonAdapter.smali
model/InterestStatementPeriod.smali
model/ClearMovingMoneyRequestJsonAdapter.smali
model/PauseMovingMoneyRequest.smali
model/ApiPots.smali
model/ApiPotProducts.smali
model/ApiPotProductJsonAdapter.smali
api/ApiSectionOptions.smali
api/TransactionsResponseJsonAdapter.smali
api/ApiSpending.smali
api/ApiSectionOptionsJsonAdapter.smali
api/PeriodStartTransactionsResponseJsonAdapter.smali
api/ApiBreakdownDial.smali
api/BreakdownReportResponse.smali
api/ApiCurrentPeriodAndBreakdown.smali
api/ApiPeriodJsonAdapter.smali
api/ApiBreakdownDialJsonAdapter.smali
api/ApiSpendingJsonAdapter.smali
api/ApiActionableTipJsonAdapter.smali
api/BreakdownReportResponseJsonAdapter.smali
api/PeriodStartTransactionsResponse.smali
api/ApiPeriod.smali
api/ApiBreakdownItem.smali
api/TransactionsResponse.smali
api/ApiSectionOption.smali
api/PeriodResponse.smali
api/ApiActionableTip.smali
api/ApiProposedPeriodJsonAdapter.smali
api/ApiBreakdown.smali
api/ApiBreakdownItemJsonAdapter.smali
api/ApiProposedPeriod.smali
api/BreakdownApi.smali
api/ApiBreakdownJsonAdapter.smali
api/ApiSectionOptionJsonAdapter.smali
api/ApiCurrentPeriodAndBreakdownJsonAdapter.smali
api/PeriodResponseJsonAdapter.smali
api/LegacyAffordabilityQuestionSkipOptionsJsonAdapter.smali
api/ApiAffordabilityQuestionsResponse.smali
api/LegacyAffordabilityQuestion_Choice_OptionJsonAdapter.smali
api/ApiAffordabilityQuestionInfo.smali
api/LegacyAffordabilityQuestionsResponse.smali
api/ApiAffordabilityQuestionGroupJsonAdapter.smali
api/ApiAffordabilityQuestion.smali
api/ApiAffordabilityQuestion_ChoiceJsonAdapter.smali
api/LegacyAffordabilityAnswersRequestJsonAdapter.smali
api/ApiAffordabilityOptionJsonAdapter.smali
api/ApiAffordabilitySkipOptionsJsonAdapter.smali
api/ApiAffordabilityOption.smali
api/LegacyAffordabilityQuestion.smali
api/ApiAffordabilitySkipAlertJsonAdapter.smali
api/ApiAffordabilityQuestionsResponseJsonAdapter.smali
api/LegacyAffordabilityQuestion_AmountInputJsonAdapter.smali
api/LegacyAffordabilityQuestionsResponseJsonAdapter.smali
api/ApiAffordabilityQuestionInfoJsonAdapter.smali
api/ApiAffordabilityQuestionGroup.smali
api/ApiAffordabilitySkipOptions.smali
api/LegacyAffordabilityQuestion_ChoiceJsonAdapter.smali
api/LegacyAffordabilityAnswersRequest.smali
api/ApiAffordabilityQuestion_CheckBoxJsonAdapter.smali
api/ApiAffordabilitySkipAlert.smali
api/LegacyAffordabilityQuestionSkipOptions.smali
api/ApiAffordabilityQuestion_AmountInputJsonAdapter.smali

1 Like
683

Business cards seem to have a Boulder grey as well as a Pebble grey option. :face_with_monocle:

A bit more on fraud self reporting and a APP fraud warning.

Some stuff about paid for plans but it looks like itā€™s all cleverly vague :sweat_smile:.

684

Thanks!

Looks like four things in progress:

  • Additional warnings to try to combat fraud :no_entry:
  • More work on business accounts (including a choice of card colour: pebble grey or boulder grey) :office:
  • Paid accountsā€¦ :moneybag:
  • Stuff on loans :arrows_counterclockwise:
4 Likes
685

Looks like something to do with charities is being worked on too. :face_with_monocle:

1 Like
686

Create category, edit category

6 Likes
687

Ahhh. Good spot!