Building a Mobile First Current Account
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Andy Smart and engineer and iOS developer here at Monzo talks about what it takes to build a mobile first current account.
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Building a Mobile First Current Account
- 1. Building a mobile first current account @andyjsmart
- 5. Full stack bank TL;DR - building all the things
- 6. Spending Budgeting and organising your money
- 10. Support Learning from our in-app chat
- 11. “My bank card customer service team sent me a doge meme. I actually love @monzo 🙌🏼 ” @Jeff_McThunder
- 14. Release Trains
- 16. What’s next?
- 17. Questions
Editor's Notes
- What is a bank? Brick and mortar store? Website? Stupid plastic calculator?
- What we think a bank should be Available when you need it Fast, simple, self service
- Current banks have mobile apps, but if you need to do anything remotely complicated, or speak to a real human you need to find time during your day.
- Full stack bank Not buying in another banking system Building our own processor direct with Mastercard Integrated directly with payment schemes Transferwise for international payments Why? Deeper understanding of core technology enables us to innovate beyond traditional systems
- “Dashboard” for your money Flexible - works on your salary period Having your salary and regular bills enables us to show you how much you have left Early warning of financial difficulties
- Bill splitting Driven by Emojis (obviously) Reflects our customers sending back 1p with a message to say thanks
- How much we love our internal support We aren’t seeking to remove this, just make life easier for you Make responses faster by solving simple queries in the app
- Based on learnings from your conversations with us Allows you to resolve queries without ever needing to speak to someone Same chat available if you need it, make us faster
- MVP mindset, build things fast and iterate Less focus on the minimum, focus on making a stable, beautiful product Cut scope to try things out, work with our customers to improve and learn from our failures Mindful of regulations, and the importance/sensitivity of the data we’re dealing with now.
- Explain RT process in brief Build -> Branch -> Internal Test -> Testflight -> App Store Repeats every 2 weeks Supports iteration without imposing deadlines
- Talk in brief about gradual CA rollout (no dates) Continue support for prepaid product Both iOS and Android for CA Transparent roadmap