I assume users would still receive a notification for the transaction which should help solve that issue, do you think that would be enough?
I’d like to see my transactions listed based on the date when they were authorized, rather than settled, too. But I expect the user would need to be able to see both dates so that they can make sense of their account balance at any given time, perhaps something like this -
It’s also worth noting that this might make maintaining a running balance quite a lot more difficult / confusing
