Not sure I agree with hiding what’s owed from spending. You’ve spent that money until it’s paid back. At the end of the month we could get weird scenarios where spending says you still have money but there is none in your account. Correct me if I’ve misunderstood your ideas there?
I’d personally like to see another visual que on the new spending dial representing where you would be if all your money owed was paid back.
Interms of how the app realises money is owed, I’d like to see the bill splitting feature get a lot smarter. When used it would be great if it automatically created a visual on the transaction page, like the example someone posted above, with the breakdown of the split bill and status of repayments. I don’t know if this is possible, but if a unique url on the request link we share could then tie incoming payments to that transaction and mark them as paid when we receive money back it would a very sophisticated system that’s easy for the end user.
Then a global view of all bill spit requests would be the icing on the cake.
I currently use Monzo, Pennies and Splitwise to manage my money. This kind of functionality would make Monzo the only app I need.