This is mostly an idea but wanted a general view before making a full on suggestion post as some may think this is a stupid idea.
For people such as my mother and elderly family, they find banking really difficult and as such have given me all their usernames, passwords etc so that they can just tell me what they want and I can do it.
Would it be a security risk to formally allow this between accounts without it being joint? For example, if my mother’s card needed replacing and I was able to put the request in, she would only have to click a button asking “X would like to order a replacement card for you, are you okay with that?” or something along those lines.
The only other solution would be to go to see them whenever there was a problem as Monzo is only a single session app which would be a pain as some live hours away.
I know in app chat is helpful but they’re ‘scared’ of contacting customer service so would never want to use it. Any help with this would be appreciated - it’s the only thing stopping them moving to Monzo.