I think 99% is a stretch. Flex has been great for me from the get-go. I suppose it depends on your definition of polish vs completed, but I’d say there was more missing than just changing your payment date from day one.
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Wild conjecture!
If Trends / Summary is about to take into account subscriptions from connected accounts, then - because subscriptions are on the Payments tab - some changes will need needed here too to make it work for multiple accounts. Hence Dan’s 
eyes emoji.
Right I’m gonna stop overthinking 
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Ah sorry - I put the eyes on to remind me to share it internally.
I’m too used to slack 
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Just to note (and not to derail too much hopefully) that I think that this is the right step in honestly.
I’ll go for stability (which it is) and honest feedback on what the team are doing in the background (which this post does) anyday over half baked features which may, or not, work.
Do Monzo consider using Forum members (select perhaps vs everyone) as a control/test group still?
For example “we’de like to test xxx, you can signup here”.
Controlled testing, stability for others.
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I mean there was never any other explanation.
Peter cries in emoji
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I think I either didn’t make my point well, or you missed it.
My point is, Monzo must surly use groups of real users to seek feedback as part of their development lifecycle, I’ve never heard of a product team that doesn’t through UX research.
I’m saying do Monzo still consider using the community as part of those groups.
And I don’t agree that Members on here are not all representative of the wider user base, I’ll bet there are others that also care about development, features etc that don’t ever post here 
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It depends, we do sometimes still release features into labs (which is that kind of opt-in testing you are referring to). But for a large chunk of our projects are now in experiments where we release a feature to 1% of our customers and check that everything is stable before releasing slowly to everyone.
There are sometimes where we will manually let the community manually pot into these experiments, but this is less common now (which is something I wish we did more of but the additional time to deal with the red tape around GDPR and the community quite often makes it difficult)
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Probably not possible due to regulatory restrictions but I really wish I could turn off the nagging warnings on payments that can’t verify the name matches. Given that I’ve sent a payment multiple times before, this nag is actually lowering the security. If users get too used to seeing warnings, they become pretty useless and easily dismissed.
Edit for clarity: I only mean turning it off for that ONE payment. I get we can’t turn it off for all payments, that would be madness!
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Quite possibly prevents more fraud having this in place, to verify where the funds are going to.
The person you’re sending to frequently causing this prompt, either has an account not involved in confirmation of pay, or the name isn’t what you’ve been told it is.
Yeah, they’re not part of confirmation of payee. So given the frequency of payments I make there (it’s Barclaycard, so it’s annoying such a big firm is not part of the process)
I’m extremely dubious anyone has been saved from fraud because of the 20th time they saw the same prompt.
Well isn’t that crazy 
I’m sure I paid barclays partner finance from starling not too long ago without any prompt. Maybe handled differently.
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Another feature I’d love to see enhanced is the “left to pay” calculation for pots.
Currently the scheduled payments are listed in date order and helpfully, they seem to show the next upcoming payment which is really useful. When you look at this from the pot and it knows the month period you set, it should put a visible line in the list where the new period starts. Additionally, when direct debits are imminent, Monzo knows the exact amount but does not use this in the “left to pay” calculation - which makes the number inaccurate
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A massive yes from me!
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I have a vastly different results between ‘Payments’ and payments from a designated Bills pot.
‘Payments’ is WILDLY out, showing both alphabetical and chronological sorting in the same list of SO’s/Scheduled payments and D/D’s. A designated Bills pot is slightly better, showing the ‘Left to pay’ list as mostly chronological - but random repeating payments show at the top of the list, regardless of if they’ve been paid or not in the current cycle.
Posted about this in detail a while ago. Improvement still needed.
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It feels so close to being amazing, doesn’t it? Tiny little tweaks would perfect it and they don’t feel too hard to make!
Honestly, pots changed my life and I’m not even exaggerating! I’m so bad at budgeting but now I feel totally in control. I can just slap it all in a bills pot and mostly forget about it. Using the pot feature was the killer feature that made me switch my main account.
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Discovering a service which makes you feel this way is one of modern-life’s wonders.
Especially when it is directly involved with your personal finances and therefore indirectly responsible for your well-being and life enjoyment.
I sound a bit ‘motivational’ there, but certain things make life just… better.
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I’m going to bang this drum a bit more because I think it’s important:
It’s the little things, like improving the “left to pay” calculation that @YorkshireWill describes that really makes an excellent service.
But this needs imagination, a desire for excellence and to do a bit more.
It’s not something delivered through user research, data or by relying on an MVP that is never iterated on.
(For clarity, user research, data and MVPs have their place. But need to be coupled with a pursuit of joy, of going that little be further, and developing a sense of wow that you can never quantity and will never directly add to the bottom line. But add up all the little sprinkles of something special and you end up with a product that’s priceless and magic).
this may not be the last time I beat this drum
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Bang away. Influence to making people’s finances easier to understand, more satisfying to engage with and more informed about the choices involved is massive.
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Bang away. I’m right behind you.
Not as it sounds…
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