Kids do dumb things. Give them the option to share the payments if that’s what’s trending. What would be totally cool and unique would be real gamification like 5 friends could each put £2 in a Monzo pot and play a game of pac man or Tetris in the Monzo app, and the highest scorer gets to have the contents of the pot transferred to their CA. That would probably need a gambling license (or via partner like king.com) but would be so sick and win fintech hands down. Alternatively, take out the wagers and just let me challenge my mates to a game within Monzo.
I’ve played the 1p payment game and it was fun for about 5 mins. I thought I was being classy by upping the stakes to £1 payment, then my mate still replied with 1p and pretended he didnt know what I was talking about.
-GAME OVER-
Edit: whoops was meant to reply to @simonb