Snoop App (New Open Banking Aggregator)

[BritishLibrary]

Thanks for the reply all fair points.

So fair I like the app and concept, so will stick around and see how things develop in the future.

[BurnyCubbers77 (🔥 Watching things burn from the sidelines. Is this the end?)]

Email for access came through this afternoon.

Original post

Hey @AntonyS, signed up for the beta (Android) last week. Any chance you can check where I am in the queue, please? Really keen to give Snoop a try.

[o99]

'Banks will behave better this time than during financial crisis'

[AntonyS]

A quick update from Snoop

I wanted to just loop back to this thread to thank everyone from the Monzo community who’ve been a part of our Beta Program. It’s been great to see your feedback here and we’ve acted already on a few of the suggestions.

Last week we officially went live on the App Stores , and if you didn’t join us during the beta and would like to give us a try you can via Google play and the App Store.

We’ve also published an updated roadmap of what’s coming next and what we’re working on you can see that here https://snoop.app/roadmap/.

Thanks again to everyone that commented, clicked, and use the app during the Beta.

Antony
Snoop

[o99]

@BritishLibrary

The snoops I get don’t seem to be meaningfully actionable, or give me a genuine benefit/saving a lot of the time. Yet, at least. They just seem to be “Hey you could do X since you shop at Y”

Right now, I would describe this as a “AI version of Money Saving Expert” - yes I’m getting insights based on my data, but a lot of it is quite generic.

I’ve been trying Snoop for 3 or 4 weeks now and I feel the same. Although I suspect the snoops would be very useful for those who don’t already read sites like MSE.

I also wonder if trying Snoop during this period of social distancing (where my spending is much less varied than it would usually be) perhaps doesn’t give it an opportunity to show all of what it can do.

[patrice58 (Leon)]

I’ve deleted Snoop because the main bank I use uses screen scraping and so Snoop doesn’t support it. Which is fine but consequently it means that I have no point to use it which is a shame.

[Gaoler]

@patrice58

the main bank I use uses screen scraping and so Snoop doesn’t support it

It doesn’t seem to support Amex or Starling yet either, so I hope they’re planning to add more banks soon. Otherwise, it’s a bit pointless for me.

[anon90289270]

Echoing the above posts, nice idea but not very useful.

‘You shop at Sainsbury’s so make sure you’ve got their loyalty card’. Aye, thanks pal. I’ve gone to the effort to sign up for the beta of this app, there’s a good chance I’m aware of loyalty cards.

[M1B2 (Michael B)]

Amex support is coming. That’s the last piece of the puzzle which needs completing for me for Snoop to be super useful. Their weekly summaries and auto categorization is pretty good.

[AntonyS]

Hi @o99 @patrice58 @gaoler @anon90289270 @m1b2

Thanks for the feedback on Snoop. Picking up the points above, we are working hard to get Amex and Starling integrations ready, these are a key focus for us as we recognise their popularity with our customers.

And with regard to the Snoops themselves, stick with us as Snoop is getting smarter all the time. This week’s release will see more Snoops focused on spotting regular payment movements, look ahead forecasts for the next week and the opportunity to connect transactions to better help regular spending analysis for things like rent, mortgages and payments to family.

We do a release of new skills every 2 weeks, and we’ll be making Snoop smarter and smarter over the rest of this year. We completed a fundraise this week that will give us the opportunity to do this.

Once again – thanks for using us and for the feedback.

Antony
Snoop

[Gaoler]

@AntonyS

we are working hard to get Amex and Starling integrations ready , these are a key focus for us as we recognise their popularity with our customers.

Good news!

I don’t think I’ll see any meaningful personalisation until you have have these two at least.

[o99]

@AntonyS

We’ve also published an updated roadmap of what’s coming next and what we’re working on you can see that here https://snoop.app/roadmap/ .

I like the sound of Rewards miles monitor. Checking apps for special offers/promotions for boosting rewards points is something I usually forget to do. But is this be strictly for rewards miles schemes or does it also apply to reward points schemes (e.g. Amex reward points once Amex is integrated)?

[n1david (David Allardice)]

Yes, I need Amex too. However, my spending trends are enormously different for the last six weeks compared to the previous six months… Looking at the last month a poorly-written analysis tool might believe that British Airways was my primary source of income… But looking forward to seeing what Snoop does with it when gets the chance.

[Gaoler]

@n1david

my spending trends are enormously different for the last six weeks compared to the previous six months

Yeah, talk about bad timing

I wonder if Snoop can react a bit more to the crisis.

So, insurers are currently consulting on adjusting premiums for things like car insurance to account for the fact that risk has radically changed for most drivers.

Info like that in snoops like this might be helpful

[RogerB]

Just got an e-mail from SNOOP asking for a ‘tip’ [monetary] if I have saved anything whilst using the app. I think this is instead of [maybe a precursor to] a subscription service.

I’d be happy to pay a % of what I might save - but I have not made any savings yet. The electricity supply SNOOP was close but I would have saved £1 per month and lost the “no lock in” that I have with Bulb.

R-

[AntonyS]

Hi @o99

At present this skill identifies whether Snoop thinks you’re an Avios, Nectar or Tesco Clubcard holder (based on your spend patterns) – and then looks for situations where you are spending significantly and may not be earning rewards from those merchants.

Over time, we plan to increase the sophistication of this skill. There’s a huge amount we can do to make life easier for people here, but as you’ll understand, it takes time to improve the sophistication of each of these services.

Antony
Snoop

[AntonyS]

Hi @Gaoler.

Thanks for the feedback.

We completely agree with you about making Snoop relevant to the current situation and have been working hard to do so. So for example, on this specific Snoop – we decided to leave it in as our belief is that it is useful as evergreen content.

However in the past 2 weeks, on insurance, we’ve served Snoops to LV customers about how to apply for the insurance refund they’re offering, we’ve told Admiral customers about the £25 they’re being refunded, we’ve served specific Snoops to customers of each of the major insurers about how to cut costs during Covid and on social, we’ve been asking all insurers bar Admiral why they aren’t following Admiral’s lead.

When the FCA publish measures about the changes they expect from insurers (expected next week), we’ll follow through on this too. We publish new Snoops 6 nights a week – anywhere between 25-100 each night as we strive to make Snoop more and more personal for everyone.

We’re definitely on a journey to make Snoop more and more sophisticated – I hope you’ll keep using us as we do that.

Antony
Snoop

[AntonyS]

Hi @RogerB.

That’s right – we’ve always said we’ll ask customers for tips where they feel they’re deserved rather than a subscription month-in, month-out. It’s purely voluntary and depends on how you feel we’ve done.

Antony
Snoop

[o99]

I have 5 current accounts connected to Snoop. This morning I got 5 Snoops telling me about chargeback on debit cards (one for each account).

Only really needed one Snoop for this information.

[RogerB]

I’m sure that’s something @AntonyS can arrange. R-