Been poking around the app and noticed some nomenclature and UX stuff worth looking into. Aware a lot of this is beta/holdover from the UK app being used as a framework - but figured worth highlighting
“Use another card to top up quickly in-app” - top-up is pretty British. Not instantly understandable
I get the concept of home being all your transactions but might be better to call it something else. Home feels like it would be more like the stuff on the Account tab. Maybe “Transactions”?
Would be curious to see what interactions are most used by beta users when the come into the app and how that’s get surfaced for customers.
Chat being one chat thread is cool but also can and will be cumbersome once I have a long history or use it a lot. Is there future feature backlog for a more Messaging v Chat UI?
Language under Payment Limits not instantly clear. Again partly nomenclature e.g. “Monthly top up by card limit”
Definitely looking forward to iterations when it comes to color, font, IA etc. on the Home page to create more distinction between they summary up in the top bar, then payouts v incomings
I wonder about this one. I could see it being a brand thing almost – and maybe that’s good? If you differentiate what you call things from other companies, maybe that’s a good way to differentiate?
I think the idea that Monzo is reloadable instantly via card is a pretty novel idea. In order to get money into all of my other banks, it’s been via ACH. In a weird way, I think it could be different enough that people might like it.
If anything, I think this would warrant some testing or more feedback. Maybe I just wish I live in the UK.
We’re definitely expected to make a few rounds of iteration on the language we use. Expect us to tone down the Britishisms over time.
In the UK, our app is in the process of getting reorganized a bit, and we’ll move to the new layout for US accounts soon. In that structure there’s a lot more under Home than just transactions. Watch this space!
Curious, if top-up is not a common expression in the US can its meaning not easily be inferred?
Must be lots of minor language differences to iron out. I would never have used reload in a financial sense, to me reload would suggest reloading software, a van prehaps or even a gun.
Presumably in the US you would reload a pay as you go phone rather that top it up? And possibly even use different terminology to pay as you go?
Makes we want to give reading Bill Bryson’s ‘Made in America’ a second attempt at reading it
Reloading a gun is indeed a very American pastime. I personally don’t know that it’s worth attempting to arm the app with American terminology unless it’s genuinely confusing. “Top off” is used in terms of gas (petrol) or in terms of a drink, and “top up” is close enough to that to convey the right thing.
Now, I have no idea what a “Standing Order” is (I think that’s something used in parliament), but most of the items on this list are debatable as to whether they’re confusing (or even if the presumption is wrong).
A minor one: ATM withdrawals show a £ in the icon, not a $. Not terribly worked up about this but it might confuse other people. Or alternatively, maybe someone could be clever with this and change it to show local currency symbol in each country.
It’s great that Monzo has stated willingness to resolve these issues but it’s kinda interesting to see the shoe on the other foot for a change. Especially around US centric firms who refuse to localise the date format for non US English users.
I think they should keep some of the Britishness there as part of their brand to be honest.
Which American firms in the US don’t localise the date? I have never seen this. I have an account with Citi and a card from Amex, possible the most Amercian and don’t have this problem. Amazon, Facebook the largest also don’t have this issue.
