I voted on both topics - twice the power 
- now at 16 votes here and 57 on tâother one so 73 votes combined.
Iâd like to see a slick, full-featured web-access option in addition to the app. This is likely to become a larger issue as the user-base grows quickly.
Or on the other hand, it could drive change and a movement away from web-based banking.
The same was probably said when online banking came out. The stats of the movement to mobile-banking opposed to online-banking is scary. The time and resources are ploughed more heavily I wouldâve guessed into Apps as opposed to web pages and so there is likely to be a push to mobile-only.
I still strongly think that a web-based format for Monzo is necessary to be implemented in the near future to help attract those who do most of their banking on desktop and computers such as myself.
Should Monzo also open branches to attract those that still go in branch to do their banking?
Last time I checked you were only able to freeze your card and thatâs itâŚ
No not at all.
In which case, just because you do banking on a web-based format doesnât mean Monzo have to cater for it.
Surely thatâs the case for almost all features though - some people use them, some people donât.
Just because some people donât use a feature, doesnât mean it wouldnât be useful for other people.
Just because some people might not thing itâs useful, others such as myself do thing itâs very useful.
Iâm not saying I donât think itâs useful - itâs the reasoning thatâs all - some still go to branch to do all their banking and would find that useful - doesnât mean Monzo should open a branch - itâs very clear Monzo want to push mobile-only banking
Technically Monzo want to go App based banking only, they could make a functioning web app if they fancied
This does rather seem to be the way of the vast majority of these company forums; I personally donât like this idea / I wouldnât find this useful / I refuse to take a line against the company, so iâl ljust argue against it non stop until the people who think differently to me stop posting, making my position the default winner.
So in two minds about web accessibility because for all my other bank accounts I do not use apps at all. I ONLY use web banking on and usually on a tablet. Nice big screen and can see all my transactions. In fact recently I have become seriously annoyed with banks that donât let me use the full desktop version override & present only a mobile version on my tablet.
That said I only ever expected to use Monzo as a phone app but do wish there were advanced statement search/ sort/ date range options for output as pdf as that would really help my reconciliations at EOM. So viewing transactions on web for Monzo is currently useful but a full web offering isnât needed.
I donât think itâs fair to compare having a full feature Monzo Web with having physical bank branches.
Monzo donât have physical bank branches because the lack of physical bank branches allows Monzo to have a significantly reduced unit cost per customer compared to banks with physical branches. Having a full feature Monzo Web does not significantly increase the unit cost per customer; in fact, even the cost of developers for building and maintaining Monzo Web wouldnât affect the unit cost per customer at all using Monzoâs current method of calculating unit cost per customer.
Also, I donât remember Monzo saying they want to push mobile-only banking (thereâs nothing about Monzo being app-only focused on monzo.com), just that theyâre not building a full feature Monzo Web right now.
Please note that the word loose is different to the word lose.
Iâm wearing a loose t-shirt and belt.
Iâm about to lose mobile reception as I am in a area of low signal.
Apologies, Iâm not comparing them creating the feature per se its just the âI think thisâll be usefulâ line - clearly as @noldea has said, there are certain things that would be useful in having a web-based format.
I donât deny that - although I wouldâve though taking the time to develop and then maintain and update a web-page would eventually have to be factored into the unit cost per customer? (this is a genuine question).
I didnât say they did - I am of the opinion that moving backwards is a bad move for Monzo - they couldâve suggested they were thinking about a web-based platform - the fact they havenât to me would suggest they want to push the app/ mobile only sector. Everywhere you look with Monzo in the media is âonline-onlyâ âbank that lives in your phoneâ etc etc.
Moving to develop a web-platform in my mind is regressive - push innovation further, donât cower to what people know and like.
A post was merged into an existing topic: Removed Posts - June
It wouldnât be because if you get more customers you wouldnât need more developers to maintain Monzo Web - at least thatâs how Monzo calculate unit cost per customer.
Developing a full feature Monzo Web isnât a step backward or regressive at all and it still fits with Monzoâs âonline-onlyâ and âbank that lives on your smartphoneâ media profile. Loads of successful apps still have a web version (eg: Instagram, Messenger, WhatsApp, pretty much all of Googleâs apps etcâŚ). Whether a full feature Monzo Web should be prioritised now is a different discussion.
A full feature Monzo Web would:
Create a better UX for people who want to go through their finances on a computer.
Give people peace of mind in the âwhat happens if I lose my phoneâ scenario as well as actually helping people who have lost their phone.
Make Monzo more accessible by allowing people who donât have compatible smartphones to use Monzo (eg: smartphones running versions of Android or iOS which arenât compatible with Monzo, smartphones which donât run Android or iOS). This could also help Monzo drop support for older versions of Android or iOS since it wouldnât impact customersâ ability to handle their finances if the version of Android or iOS they were using is dropped.
Be useful to iPads and Android tablet users by giving tablet users a better experience without having to build separate iPad or Android tablet apps straight away.
In my mind, the reason that Monzo havenât built a full feature Monzo Web yet is that they have been prioritising the app versions of Monzo - just like how Monzo initially only built an iOS app or companies such as Instagram built up an initial app following before creating a web version.
Developer wise sure - but actual cost in maintaining the webpage/ servers and monitoring it for security purposes would likely need to be factored into the cost per customer, no?
Sure, doesnât mean Monzo should do it though 
if we kept pandering to the things that are âsuccessfulâ we wouldnât advance further - weâd still have computers with floppy disks and monitors with SCART leads.
As Iâve said I donât deny that developing Monzo web could and would be useful to some - but that doesnât mean time should be put into developing it.
I think advancements can be made to the app that could accomplish some of the things that Monzo web would achieve.
I dread going onto my online-banking webpage because it is typically not as seamless a service and I donât want Monzo to make something that doesnât tie in with what the App currently offers (IMO naturally).
Do I think Monzo web could be improved? Yes, but I still think it should be ancillary and should not be an equal to the App.
Not the way that Monzo currently calculates cost per customer:
For most processes the Monzo apps basically tell Monzoâs servers what you want to do, the servers perform the required task on the backend and then update the app with the relevant information when itâs done. A full feature Monzo Web would be the same: you click some buttons to do a task, the information is sent to the backend and the task is performed. So performing any task using a full feature Monzo Web would basically be the same to the backend as performing the same task using an app.
Once again, I donât think itâs fair to compare floppy disks and monitors with SCART leads to having a full feature Monzo Web. Stuff like CD-ROMs and USBs replaced floppy disks because they had a better storage-density (ie: they were better at doing the thing that floppy disks were designed to do). Similarly, HDMI cables replaced SCART leads because HDMI cables could transfer more data to a screen. This isnât the case with websites vs apps.
The only things I could think of that a Monzo app could do but a full feature Monzo Web couldnât is the instant notifications and location-based security (which isnât actually available on Android anyway).
