I was driving to work this morning and was thinking about Mondo (As you do) and I thought wouldn’t it be nice if I could make a purchase on my Mondo card such as a TV, lets say £1000. A week later I go into the app and it could go 'Hey Terry! We noticed you spent a large amount of money at Currys last week, from our calculations this means you will run out of money 2 weeks earlier that expected. You have told us that you have Barclaycard Credit Card with 0% for the next 12 months, would you like to move this purchase over to that card?" I click Yes! and Mondo charges my Barclaycard with the £1000 TV transaction, freeing up my Mondo balance.
It could even go a step further and automatically increase my monthly direct debit to compensate for the TV (Example: I could select pay the £1000 off within 4 months, the app calculated that this means adding an extra £250 a month to my Barclaycard payments and arranges this all for me automatically)
I often spend a little too much on my Mondo card that I think actually I should of put it on my credit card, but in the legacy banking world, there is no way to move this money around.
What do you think?