For some thoughts that may be more Plus specific (rather than research methodology relatedā¦):
- Pick and mix the things I want for the length of time I want.
- Allow insurance packages to be customisable. Especially if they are bundled - I donāt want to be under insured.
- Management of any insurance related claims in app - The biggest gripe for me is when you get a premium account with a bank and they are like āgreat hereās your 12 different policy documents from 12 different providers byeā. If I can see and access it in appā¦ Why not raise a claim in app too?
- Ability to select personal, partner or family cover for all the things that are included.
- I would like disposable/virtual cards for dodgy online retailers (and an inherent ability to stop those details getting updated)
- A 2nd, non Mastercard, for travelling - Iāve had a number of mastercard acceptance issues when travelling - maybe a Travel Package could include Monzo + Visa?
- Car-hire excess insurance
- Perhaps, things like custom payment devices - like keyrings, fobs, etc?
- Interest
Things I donāt want from Monzo Plus (as I believe all these should be the same for all users):
- Features that have no cost to roll out to other users
- Artificial limit increases - cash withdrawals, etc, or customer service priority
- Custom Categories (one exception below)
- Extra Privacy tools (beyond virtual cards which I expect have a running cost)
- Exclusive Discounts - generally arenāt that good anyway, and most of the time theyāre not valid for existing users, so frankly I donāt want to pay for something that Iāll never use.
- Swag/Merch - please donāt make low quality stuff - if you do make stuff, make it to sell, and make it high quality.
- And critical one here: Please donāt start doing trials that involve users paying for stuff if you are not clear on the business case and overall offering.
My one exception to Categories / Budgeting stuff - I think budgeting needs more work anyway to make it overall a fully charged genuine budgeting solution. I would like it to work more closely to YNAB, or at least give me the confidence to know all of my budgeting needs at a glance. If you made a true Budgeting solution, as powerful as YNAB is, Iād be happy to subscribe to that - but I think the basics need improving as they stand.