Yeah, it’s definitely not for everyone. We have cool cats on here who are 50,60,70 years of age and older and a neo bank is perfect for them, but the vast majority of older people are incompatible with it.
Even Monzo’s crazy stretch target of a billion users leaves out 6.5 billion people. Pretty sure that includes my mum and dad and certainly anyone who questions how they’ll be able to pay in all their cash.
I learned early on that some people just need a “it’s a bank card” response when they ask about your cool card and app, rather than the full list of reasons why you love it and why they should all get it.
Before I learned that some people shouldn’t be pitched to I signed up my girlfriend’s dad who said it sounded great then used it solely for TFL transactions as he wanted somewhere separate to keep his travel spending that he could just top up when he wanted. I tried to understand why he didn’t just get an Oyster card and I hit a brick wall trying to figure out how his brain works.
I also signed up an older guy from work who liked that you could see where and when the transactions took place in real time. Turned out he gave it to his wife and was tracking where she was going and what she was spending without her knowing. Weirdo!
Some people should not be allowed Monzo. That includes your mum. Sorry!