I was interested reading this post and wanted to reply, but didn’t want to take that thread down a rabbit hole. It just goes to show how people see things very differently when it comes to the user interface experience.
Over the past years I have used Starling, Monzo, Revolut quite a lot. For me, the UIX needs to work for me if I am going to continue using it beyond the first five minuets of play time. In my book it needs to tick a good few boxes to stand the test of time. I’m going to provide my own opinions about three specific products: Revolut, Monzo, and Starling. They are just my opinions.
The app works well. It’s quite fast. But it’s god-damn awful on the eyes once the sun has set. I understand they’re working on a dark-mode which is good as that sea-of-white is just painful during the evening. It has lot of graphs. It also includes a lot of little animated graphics for their products and features. Most other stuff is simply text and numbers.
But boy does it have features… lots of them. I think it’s already quite unwieldy; and that “Dashboard” navigation button is as long as your arm unless you turn off some of the items. Kudos for building the features, but it’s definitely time for an overhaul.
This, like their community, is a bit marmite-esque. I joined Monzo (then Mondo) back in 2016, and the app actually hasn’t changed all that much since then - it’s very recognisable. Too recognisable. They have added lots of options here and there, but using an outdated design.
Back in it’s prepaid-card days Mondo was great. It was groundbreaking. But now Monzo is a fully-fledged grown-up bank, with lots of complexities, and as new things have come along they’ve just kinda been slotted in somewhere. Anywhere. Frankly, it’s a bloody mess. So bad in fact, that I closed my account permanently at the weekend, never to return. Bye bye Monzo.
I didn’t like the Starling UIX at the beginning. It was a bit boring. But it has certainly had a few facelifts and tweaks over the years, albeit incremental ones. It feels grown-up. Much more professional than fintech rivals, and more professional than the big banks too.
What I find interesting that they obviously have road-map into which products and features will eventually be plugged. So once you get the basics (i.e. tap top-left to select the account, tap top-right for the ‘add-ons’ of the chosen account, and tap the bottom navigation for the core stuff) it makes quick navigation sense. Things aren’t buried too deeply. And as features are added, they just appear where they should without too much thinking; I like that. I also like the logic of the payment flows, iconography, and stylish use of graphic touches.
Of course the account selector gives them lots of opportunities to add different types of products in the future without a whole new redesign of the app, nor indeed squeezing things haphazardly. It feels polished and designed with intelligence. I don’t want to go on an in-app treasure hunt to find out how to do something: it should be obvious and consistent.
The fly in the ointment however is their ‘pulse’. They need to do something more with it: I actually don’t care what, just anything.