This is a really interesting difference of perspective (for me at least).
To me, Monzo is racing ahead. The amount of new features, experiments and products they’ve launched in a short period of time if phenomenal. I can’t think of any other fintech or bank that’s done quite so much in a short period of time that’s had a positive impact on the customer.
But I do share some of your frustrations. The rapid pace of change does mean that some stuff isn’t finished properly. Or that a small extra step, that wouldn’t take a lot of time* but which would immeasurably improve the experience of using the app are missed out. Take, for example, being able to set the Monzo Plus fee to recur within Summary. Small thing, but a world of difference - and an impression that Monzo is on top of things.
But I think we’re in a balancing act between the need for break even and the need to improve the core functions. I think this is what @bruno’s squad is for: improving the core experience, starting with the home page as the foundation, then moving to budgeting (fixing Summary), then hopefully payments.
So I suppose this is a long way of saying that while I wish some core stuff is prioritised a bit more, I understand the pressures. And that they’ve recognised this with the platform squad, moving through the app giving it a lick of paint. And, comparatively to other fintechs, the feature set in Monzo seems to be growing / maturing at a faster rate. And don’t even get me started on the glacial pace of change in the high street banks!
*I don’t really have any insight into what’s small and what’s not in Monzo development terms. But a bit of polish is always good, and while I’m down for MVPs, it does something feel like squads could do with another quick sprint to add some polish before moving off…