The Big 2022 Poll: Expectations and Wishes!

Monzo Chat
37

We’re half way through 2022! How are our expectations and wishes holding up?

Expectations

  • Flex will fully launch :white_check_mark:
  • Pay for Flex, and Plus and Premium, from Pots :white_check_mark: :x: :x: (you can pay for Flex from a pot, but not Plus or Premium… yet!)
  • Direct payments from Pots launched :x:
  • 6 million users! :white_check_mark: (reached at 2314 on February 9th: (The race to SIX MILLION users is over - #169 by AlanDoe ))
  • Summary is retired :x:
  • Different time periods in Trends (e.g. weeks, years, custom) :white_check_mark: (:question:) we have years, but we still kinda need financial years and custom periods
  • Cheque imaging :x: could this be anything else?!
  • The forum will survive a year :white_check_mark: (so far!)
  • Budgeting moves out of Summary :x: (not yet - will the Summary/Trends/Budgeting/Left to Spend quagmire ever be resolved?)
  • Monzo offers stocks and shares (or other investment products) :x: (reminder: Monzo set this expectation - now they need to deliver on it).
  • No one from the C Suite will post on the forum :white_check_mark: (so far!)
  • Plus / Premium for joint accounts :x: (much sadness)
  • 7 million users :question: we just don’t know, so shrug :man_shrugging:)
  • A proper web interface :x: (unless you’re a business customer!)
  • Payment directly between Pots / connected accounts :x:
  • Native international transfers in the app (with an IBAN) :x:
  • Master feed, aggregating different accounts or pots :x:
  • There will be (at least) one update email for investors :white_check_mark:
  • Enriched merchant data is updated / accurate again. :question: variable! Some signs that it’s improving - and we have merchant data for connected accounts now - but it still doesn’t seem to be quite there…
  • Tablet apps :x: never really expected, was it?
  • A founder will leave :x: Jonas is hanging on in there!
  • Pay in cash at the post office :x:
  • Removal of the blue buttons below the cards on the feed :x:
  • Monzo offers crypto products :x: (:zipper_mouth_face:)
  • Monzo will announce a profitable run rate :x: although the annual report is due any time now, I think…
  • No physical card by default (orderable for free) :x: instead we got the neon card promo!
  • One or more of the C suite will leave :white_check_mark: (Chief Product Officer heads off )
  • Monzo closes US operations :x: (in fact, the US has exited beta!)

Finance & Fintech

  • Chase launches direct debits and standing orders :white_check_mark:
  • Starling will launch a credit card :x:
  • Buy Now Pay Later firms subject to much tighter regulations :x: not yet…
  • Amazon and Vision come to an agreement to keep Visa credit cards accepted on Amazon :white_check_mark:
  • Revolut will have its application for a UK banking licence approved :x:
  • Freetrade launches in Europe :white_check_mark: it’s now available in Sweden, even if it didn’t land with a bang
  • Starling will acquire another firm.
  • Amazon will switch open banking on to escalate the war with MC and Visa :x:
  • Chase extends its cash back offer to the end of 2022 :x:
  • Starling will receive bad press due to their covid loans :white_check_mark:
  • Nutmeg is folded into the Chase app :x:
  • Tandem will be bought out or insolvent :x:
  • The Bank of England base rate is >3% by the end of the year :question: it’s not the end of the year yet, but rates are half way there…
  • Freetrade and Monzo announce deep integration :x:
  • Open banking payments go mainstream :x: arguable, but I don’t really think they have - anyone with a different view?
  • Starling will float before the end of the year :x: feels like a really bad time to go to market…
  • Curve will be acquired :x: not yet, but they’re making changes - perhaps trouble is afoot?
  • Project Imagine (Dozens) will survive into 2023 :white_check_mark: (:x:) tricky one. We know now that Dozens (the consumer facing brand won’t, but Project Imagine - and their B2B offering (Pi1) lumbers on
  • Starling will be acquired :x:
  • Revolut will buy another firm for its UK banking licence :x:
  • Freetrade launches elsewhere :white_check_mark: yep - they’re now in Sweden!
  • Atom Bank will be acquired :x:
  • Coconut will be acquired :x:
  • Chase ends the year with millions of customers :x: not so far. Feels like a remote possibility at this point…
  • Revolut will have a down round :x:
  • Crowdcube is acquired :x:
  • Metro Bank is acquired :x:
  • Metro Bank share price increases :x:
  • Curve will fully launch in the US :x: I think…
  • The Government renames the Bank of England :x:
  • The reimagined Dozens app will be a success :x: there will be no reimagined Dozens app. Sadness
  • Crowdcube goes bust. :x:

Wishes

  • Cheque Imaging :x:
  • Direct Payments from Pots :x:
  • Pay in cash at the Post Office :x:
  • Enriched merchant data is updated / accurate again :question:
  • Credit card pots :x:
  • Monzo offers investment products :x:
  • Pay for Flex, Plus and Premium from Pots :white_check_mark: :x: :x:
  • A proper web interface :x:
  • Automatic get paid early :x:
  • Automatic salary sorter :x:
  • Plus / Premium for joint acounts :x:
  • Different time periods in Trends :white_check_mark:
  • Native international transfers :x:
  • Budgeting moves to Trends :x:
  • Payments directly between Pots / current accounts :x:
  • Tablet apps :x:
  • Trends finds a way to segregate mandatory and discretionary spend :x:
  • Master feed, aggregating different accounts or pots in one feed :x:
  • Children’s / family accounts :x:
  • Flex for joint accounts :x:
  • Monzo offers crypto products :x:
  • Ability to Flex non-Monzo transactions :x:
  • Faster Payments in / out match your specified payee name :x:
  • Summary is retired :x:
  • Overdrafts for joint accounts :x:
  • Redesign of the transaction screen :x:
  • Android search reaches iOS parity :x:
  • Removal of the blue buttons below the cards on the feed :x:
  • Notes, split bills, tabs and search for connected accounts :x:
  • Complete redesign of the app :x:
  • A redesigned payments screen :x:
  • No physical card by default (but can be ordered for free) :x:
  • Full launch in the US :question: arguable. Out of beta, but is it a full launch? Is it even feature complete? :thinking:
  • Monzo closes US operations :x:
  • International (non-US) expansion :x:
  • Samsung Pay :x:
  • Garmin Pay :x:
  • Badger Pay :badger: :x:
  • Enriched merchant data is abandoned :x:

Just leaving this here… It’s for others to judge how this has stood the test of time. :eyes:

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