Thanks for that
I think you’re referring to the marketplace which is a colossal project that has been ongoing for years - infact there has been little mention of any updates to my knowledge other than it was put on hold a long while ago. Even so, they need a lot more providers to come on board before they could even consider this concept.
Even if it was available now, the idea was that you sign up to services through Monzo not just have them all pop up on you randomly as notifications. As you mentioned, utilities I can understand because they’re pretty black and white (ignoring carbon neutral and ethical ones etc) but spending habits are not so simple.
For example, if Monzo started saying “I see you bought bananas from Tesco, they’re cheaper in Asda” Monzo doesn’t know that Asdas fruit and veg have terrible shelf life and I’d rather pay a little more for better quality. Some people always want the cheapest but that doesn’t work in every use case.
Opt in would be far better as per the marketplace concept. The list of merchants and type of notifications would be huge too so I’m not sure how that would be managed