Starling Discussion & Feedback

[danbeddows (Dan)]

@anon40779440

If I got a penny every time someone used the “Apple Pay is NDA’d” line. There’s no excusing Monzo for lagging the traditional banks (most of which got Apple Pay in 2015), and Starling (which got it this summer).

I don’t know why you’re even bringing that up if you already know? Monzo arn’t allowed to discuss that they’re even working on it - never mind how near complete it is.

Yes there is, theres a perfectly valid excuse - they’re still building it, obviously. + why do you even mention 2015? You know Monzo got their banking license April this year right??

@anon40779440

If you prioritise onboarding customers before implementing technology like Apple Pay, you’re putting the cart before the horse, I fear.

I didn’t adopt your product for the warm glow. I adopted it for its mobile app experience which, at the time, was second to none.

I love Monzo, but here’s some brutal honesty:

I couldn’t care less which diversity quotas your HR dept filled this week.
I don’t care that you want to reach a billion users. Focus on the product and the users will eventually come - and stick around.
I certainly don’t use Monzo because of your hilarious mobile app release notes. Personality is great, but don’t be too “millenial” please.

I’m only a single data point. Feel free to take it or leave the advice. I’m only writing it because I care.

That’s great, and your absolutely entitled to your opinion.

Heres mine:
I feel very sorry for you that you could not care less that Monzo thinks “it’s better to be inclusive”. If you find Apple Pay higher up your list of values than inclusivity - that’s pretty sad.

@anon40779440

Still waiting patiently for Apple Pay, and for meaningful updates to the current account mobile app. Been a while now… feels like the pace of innovation at Monzo has really slowed, and I’m struggling to recommend it to friends, when the alternatives are catching up.

Feels like Monzo shifted focus to Android users - a demographic known for less disposable income, less expenditure and later adoption of NFC payments (see links below)

Don’t let Starling overtake you, Monzo - they now have Apple Pay, and if Monzo can’t catch up by the end of the year, or at least give some kind of timeframe, I expect a lot of iPhone users will switch over to Starling.

What should Monzo’s focus be? Look where the votes from your loyal customers are going:

I don’t know if you’ve been on the forums recently - but they’ve been pretty busy with this whole “migration” thing. Apparently building out an entire banking stack and implementing it into a separate app, merging them together, and then moving 450,000 users has taken some time out of one of their engineers day.

You know Monzo have an iOS and a Android team right? They don’t stop working on one, to work on the other.

FYI they posted a timeframe https://monzo.com/blog/2017/11/23/2017-todo-list/

They don’t need to focus on iOS. Like I said, they can work on them both in harmony. (p.s before you say, I run iOS)