Many threads do nowadays.
Never used the Mute feature so much 
2 Likes
Donāt know if itās been mentioned but Iām now seeing the in app 3DS code in the card section. Am I right in thinking they now support push notification, sms and in-app code?
Has anyone used it? I was wondering how it determines which one is used. Most times I use my card online it bypasses the 3DS checks.
Yes, the SMS notifications are switching to in-app, similar to Monzo, and thereās also an ever changing code as youāve seen (like Google Authenticator) for when the in-app transfer doesnāt work.
5 Likes
Are they launching a credit card or not?! I really want to get rid of my nationwide credit card and would prefer a fintech over NatWest all round (no FX charges, MasterCard).
I donāt mind these at the moment, but I can understand if there are many it could clutter up the feed. Iām not sure removing the information is ideal either as Iām not a fan of hiding things making them unable to be discovered in the future.
One possibility would be to merge the transactions if a transaction is attempted afterwards which succeeds. Then maybe have a note on the one transaction stating transaction succeeded after authentication with PIN, or something similar.
I totally understand and agree with what youāre saying. I just mean the point of them is supposed to be to see why a transaction failed as I read they got feedback that just having a push notification wasnāt enough, which I agree with.
I do like Monzoās implementation better though on this, as with Monzo it stays in the feed with the decline reason. However, you can clear it if you want to and just see successful transactions in the feed.
I am impressed with how quickly Starling have got this out though, especially during a time when business operations are being impacted across many different sectors and for them to still roll out new features is exceptional. Iām sure theyāll improve it with time though.
1 Like
Interesting to see the difference between Monzo and Starling here:
Sounds like they are heading for profitability towards end of this year
10 Likes
This is referenced in the article above, but well worth a read:
Well done the 'ling.
3 Likes
This is also worth a read. For my money, itās an exceptional note:
7 Likes
Hats off to Starling. Their Business model is showing a clear path to profitability.
āIām reminded of what Warren Buffet said at the time of the financial crisis: āOnly when the tide goes out, do you discover who has been swimming nakedā.ā
Very astute reference by Anne
2 Likes
Before this gets overly passive aggressive, or taken to bad places, can we all please remember that these are only banks, a rising tide lifts all ships, and that itās definitely not a zero sum game.
Thank you.
6 Likes
I like this lineā¦
While other fintechs may have struggled with funding and maintaining ambitious valuations during the pandemic
I wonder who that alludes toā¦ 
7 Likes
Oh well, knock yourselves out, yāall. 
2 Likes
I apologies if you feel I have done or said something out of step.
If you feel my comment is not appropriate, please flag it.
5 Likes
Donāt see a problem with it personally. Certainly not worth flagging
8 Likes
Youāve done nothing wrong. This is all great to read though and it looks like Starling will be a great success in the long term.
Whilst theyāve had a few grumbles about the business loan recovery stuff (to be fair which bank offering them hasnāt) theyāve done incredibly well looking over the reports and statements, just goes to show what fintechs can achieve when the plans go in the right direction. I didnāt actually know they did paid accounts on certain ones, will be interesting to see what comes next in regards to product /feature launch
3 Likes
Really interesting read. They seem to have a load of revenue streams which look well placed to continue growing. I hope the new leadership team at Monzo can come up some ways to earn money too. Maybe this will spur on some good competition.
1 Like
Interesting that Starling processes 30,000 scanned cheques per month. They donāt identify how many relate to business accounts.
1 Like
Take a low guess of Ā£10 each and thatās Ā£3.6 million a year. But Monzo who are losing millions and have a larger user base are shunning those deposits. Still doesnāt make sense to me why they abandoned cheque imaging.
8 Likes