This is the bit I don’t get. What’s the evidence that Chase are copying stuff? I’d argue zero, otherwise the Chase app would also be an ungodly mess of buttons strewn about instead of the sleek, clean, easy to navigate app it is.
I’ve said this before, but the Chase adverts seem (to me at least) a carbon copy of Monzo’s. From the tone down to the exact scenes that they use.
I think the first iteration of the Chase app (which they’ve since changed) with the card up top was also reminiscent of the Monzo design.
I’m not suggesting a wholesale copy of the whole product but lots of it seems too close to be coincidental.
Before I get shouted at, yes there are differences. But I think if the relative financial standings of JPM and Monzo were reversed then Chase would have had several very stern letters arriving from lawyers.
Firstly I have no idea how the monzo app is structure much but…
It may be because your triggering the action to move money and the app knows to update the feed then and there where as the personal account has the delay because the app needs to poll or receive a message from the servers to trigger the update.