Monzo.me seems a bit long-winded to me, you ‘request’ money, it sends a text link, they then click the link, fill in all their details (who knows these when you out or in a bar!!)
Would it not be better to have a ‘request money’ button that just sends a notification to your friend, clicking accept would then take him to the ‘send money’ section of the app and he could add/amend amount and send to you?
Or am I missing something?