The pick and mix idea sounded great but was never going to offer the same value as the existing rivalās 3-tier approach. As long as most people understand and feel that the tiers are not necessary or designed to appeal to everyoneā¦
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Q1 was announced somewhere previously. Q1 ends this month, therefore the usage of āthis monthā (I imagine) 
Good to hear some sort of confirmation of what has become increasingly apparent over last couple of years.
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From the article:
Its CEO Tom Blomfield said the app will have another attempt at launching subscription products by the end of March, according to a new Reuters interview.
If I recall correctly, @simonb said somewhere that the deadline (from the investor mail) wasnāt set in stone. Couldnāt read the full article, but will be interesting to see if the investor mail was the source or they have additional confirmation.
Update: thanks @gt94sss2 for clarifying this!
Has been posted in a dedicated thread but worth mentioning in this thread tooā¦
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A 94% customer approval rating of āGreatā is pretty good to be fair.
Despite the very poor wait times Iāve experienced lately, I do have to say when I am dealing with someone, it is always very good.
Well done guys 
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Moneyfacts Consumer Awards 2020 - Banking App of the Year
Winner: Starling
Highly commended: Monzo
Commended: Barclays
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Looks like thats from November
Their dates are all over the place! That web-page seems seems to be from November but the email I received announcing the winners was today.
I think in reality itās actually from end of January
On the article in the telegraph about Plus, they quote a Reuterās interview with Tom.
Hereās that interview which isnāt behind a paywall:
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This might be missing nuance, but Iām not convinced that Tomās onto a winner here.
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I see what you mean. Itās not much of a story.
But to be fair, Open Banking has had zero effect on my day-to-day banking so far.
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āThe positive effect of Open Banking on innovation has been nil,ā Mr Blomfield said. āI donāt see any businesses based on Open Banking in Europe whatsoever.ā
I feel the positive effect has been nil for banks. But for consumers it is a different story?
Assuming it wasnāt taken out of context, I canāt believe he is being truthful in his statement. Surely Emma and other aggregators are built based on Open Banking APIs?
Emma and other aggregators were originally built based on screen scraping.
I havenāt noticed any appreciable difference in what the apps can do between then and now.
By that metric, I canāt disagree with the statement āopen baking has had nil effect.ā But I also think itās a bit soon to be making the statement - banking as a sector moves glacially, so given time Open Banking may yet come good.
Perhaps if youāre used to working in a tech company youād feel like too much time has already been given?
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Surely it is much more secure now that you arenāt giving a 3rd party full access to your online banking. And now it wonāt break if the display layout changes? Arenāt those benefits? Positive effects areāt just things that are launched as new features.
When Monzo moved from APS to their own card processing, that was not a new feature, but it was a positive benefit.
I think that this is it in a nutshell. It feels a bit like Tom isnāt happy that Monzo has to spend money in implementing regulations that - in his view - has no business benefit.
The reason I say this might lack nuance is that Monzo might well have a top notch public policy team talking to the regulator and to the Treasury about how they can help them get to the outcome they want but via different means. But the way that this is written it makes me think that Monzo still has some growing up to do.
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But Monzo didnāt have to implement open banking.
At the moment, only the UKās nine largest banks and building societies must make customers data available through Open Banking.
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