Web / Online Banking 1


(getzoe) #42

I agree re: web app access.

I’ve been caught abroad with banking (not with Monzo) with no smartphone battery and also with needing to do fiddly transactions where sitting down and using a web app at a desk-laptop would be way easier and more convenient.

Good call! :+1:


#43

I think having a webpage for banking is a good thing. I accept that Monzo is app based, but to the layman it’s also an internet bank. If the finished current account app is absolutely top draw and everything is very easy, then no, no webpage needed. But if it’s okay, and requires lots of screens etc to set up more complex stuff then a webpage would be good.

I guess it just depends. But access when abroad if your phone gets nicked etc, might be a good fallback idea. I guess start with the app and then canvass customers to see what they think after they’ve had a chance to work with the app. Most customers should be aware that it’s a app based bank, but only time will tell!


(Priyesh Patel) #44

Thanks to everyone for sharing your thoughts here - it’s really interesting to understand how customers feel about online banking compared to mobile banking. Feedback like this helps us to shape how the product will develop in the future. :blush:

Initially we will be providing a web portal for our users, so that they can undertake basic interactions with their Monzo account even when they can’t access the app. :no_good: These will likely include freezing your card :snowflake:, reporting it as lost or stolen :police_car:, and contacting customer support :information_desk_person:.


Lost/ Stolen Card and Phone
Exporting spending data on Android
(Oliver Ford) #45

Do you really think “I wish Monzo had a web app” is anywhere near the same level as “I wish Monzo had branches I could walk into”?

“Mobile apps” aren’t here to stay in any way distinct from web apps.


#46

I think that this is a happy medium. Initial limited access, and up that if required depending on customer feedback.


(Marta) #47

I’d love if Monzo offered web app of some sorts. Sometimes I’m too lazy to get up and get my phone, but I’m sitting next to my PC.
Also, at work, it would be a lot less dubious to check website than be tinkering on my phone (by no means I condone doing private things during work hours, but we all know how it is sometimes :blush:!).


(Alex Sherwood) #48

To be honest, I don’t really want to bump this topic but just to keep everything joined up, here’s Naji’s comment on a web interface Monzo -


(Tommy Long) #49

I think having a web app is certainly important. Has anyone started work on anything like this yet? I know there have been a number of third-party integrations to do various bits and bobs but has there been anything complete (at least in terms of the currently exposed API)?

I don’t really want to take on responsibility for the whole project (I’m far too busy) but if there was a space set-up for discussing it then I’d happily contribute.

I’d suggest that Monzo would want to take semi-ownership of the project, calling it something like the official community web app or something similar and be the owners of the repository, the domain and the ability to push out new releases but use the community for design and development. That way people could have confidence that the code didn’t do anything malicious whilst being able to fully utilise the existing talent among the community.


(Alex Sherwood) #50

There’s plenty of apps that have been built here -

but I’m not sure that a complete tool is possible yet, given the fact that large parts of Monzo’s API are undocumented & subject to change. Obviously that will no longer be an issue once the bank’s launched & the API’s stabilised (which will be necessary in order to establish integrations with partners).

Since Monzo have said that they’re not intending to build a complete interface in the foreseeable future, I’m not sure why they would choose to favor one 3rd party’s app over another. So I’d expect them to simply leave developers to build on the foundation that they’ve built.

There will be safeguards to ensure that developers can’t misuse Monzo user’s data / account access. Apart from anything else it wouldn’t make for great press if Monzo got that wrong & would get them shut down by the regulator pretty quickly.


(Tommy Long) #51

I have no problem with third-party integrations but I can’t see the average punter being particularly enamoured with giving rights to send money from their account to any form of unofficial app. Realistically, unless it’s something that’s promoted from the homepage (and therefore likely official) then 99% of people will never discover the service and it’ll remain incredibly niche.

There’s not actually anything Monzo can really do to stop a third-party misusing access granted to a user’s account, other than shut them down pretty rapidly. If a service has the rights to transfer money from the accounts of a large number of users and they regularly transfer money and one day the service is hacked and the code is changed to something malicious then there’s always going to be scope to abuse the access they have.


(Alex Sherwood) #52

Lets wait & see how the safeguards work before assuming that users won’t / won’t be able to trust a third party app :slight_smile: as I mentioned, it’s going to be pretty important they do work!


(Peter Day) #53

Hi There! I know I’m a bit late to the convo but I just so happened to stumble across this! I am the guy who made this web banking interface. Right now it’s very basic and will only show transactions and when you click on them a map & details about the transaction but that’s about it. I’d like to be able to offer it to Monzo customers when the API is finalised, as right now the API will only allow my monzo account to login (Limitation of the API right now). I could always release the code on github for people who are savvy enough to setup their own web host and grab their own API keys but for the vast consumer base I’d like to have a pre setup read only web banking UI api permitting down the line :smiley:

Cheers!


(Daniel Rivers - Proud Current Account Holder) #54

Is there an interest in a desktop client? Looking at taking one of the web based clients and adapting for desktop.

I will make this open source and will take pull requests with this too


(Thomas Welton) #55

There are already a few desktop clients knocking around


(Daniel Rivers - Proud Current Account Holder) #56

Sadly only ones I have found are for mac …


(Alex Sherwood) #57

There’s an almost comprehensive list of Monzo apps here, I haven’t been able to check whether there are any for Windows right now though -


(Daniel Rivers - Proud Current Account Holder) #58

Been there, there are none.


(Zain Jetha) #59

A Mac desktop would be really awesome, and would make admin a lot easier for things like downloading bank statements as PDFs, though in the meantime a web interface would be great.

I’m hoping monzo will start to explore the desktop app once they have more time on their hands and current accounts are well underway.


(Alex Sherwood) #60

Given the similarities between the two challengers, I thought it was worth pointing out that Starling don’t plan to build a web app for their users…

Here’s the link that Steve posted there -


#61

their “no but you can write your own” just cracked me up :joy: