Tried Mono for a while now and I'll be honest the open banking thing actually works well once you understand how it connects everything together. The thing that annoyed me sha is navigating their app felt like solving a puzzle at first, like they assumed everyone knows what they doing already without proper guide. Otherwise the service itself has been solid for linking my accounts and honestly for someone working in banking like me I can appreciate what they doing under the hood. Just wish the user experience was a bit more straightforward na.
