Honestly, it is totally fine with us if another bank suits an individuals needs more than we do right now. In some cases that’s to be expected. We focus on the things that we feel will have the most impact for our users and other companies do the same, and that’s going to be different for different companies.
For lots of folks, things like Round Ups, IFTTT, an emergency web interface, 3D Secure, and seeing Direct Debits and incoming payments before they go out / come in are going to be the “hooks” that pull people in, then with a bit of use they’ll see how amazing things like Summary are.
For other folks, their requirements might be something like Samsung Pay, or business accounts, or perhaps they want to hold different currencies all the time or do crypto stuff.
And so, at this point in time we don’t fit their use case and there will be others that do. And that’s totally fine. We’ll continue to ship amazing new features and perhaps when viewed as a whole, the benefits for people who have been on the fence will outweigh anything they might want that we haven’t built yet or aren’t planning to build.
Attempting to please all people all the time is a path to failure. You have to have a vision, and some people will wholeheartedly agree with it and other people won’t, and for some of those people the vision of another company might be what hits home for them!