Just some thoughts I’ve had re payments and spending in the app, after using it for a few days.
First, I wonder if these should be combined into the same navigation menu option? Although I know that Spending is retrospective and Pay is future, I find the terms interchangeable in my head, which often leads me to select the wrong option.
The ‘Pay’ screen already has two sub-options, ‘Scheduled’ and ‘Payees’ and I wonder if moving the ‘Spending’ option to become a third part here would make sense? In that way, you’d have past spending listed a swipe across from scheduled payments and the option to make a new payment.
Second is to do with the scheduled payments screen itself. I would find it useful if the list of upcoming payments could be collapsed into daily groups. So, if I have a list of scheduled standing order payments coming out on a single day, these would be summed together so that I can see at a glance that on that day, I have X amount coming out of my account. Clicking on that group can then show the breakdown. I know this might not be able to include direct debits as they can vary from payment to payment.
Finally, something that probably won’t pop up too often as I get my account more established, but the requirement for the full account password when editing payee details is a minor irritation. I understand it is necessary for adding/editing actual account details, things that affect where money is being transferred to, but I edited some payees to add images and to tweak the display names and was still prompted, despite as far as I can tell, these only being for my reference.