Very nice idea!

Wow that is an extremely interesting idea. That's a very modern take on a fairly old-fashioned thing.

Ruben can you make a wireframe or sketch of what you have in mind? Thanks!

This would have been my graduation design task from interaction design perspective, but because of the lack of experience in this particular area I chose a different topic. But I've spoken with a few companies and remember that some of them are actually working/thinking of concepts that inherit your idea. Indeed, banking is one of the few areas that haven't been "Apple'd" (it exists already, but hasn't been changed yet so people completely adopt it (→ phone/iPhone, music, tablets, but also technology that preceeds the 2000's)

Het is een beetje zoals ik in een ander topic zei; je wilt transacties zien gegroepeerd per tegenrekening. Ik doe elke dag boodschappen bij de AH; het zou fijn zijn als die items niet als losse items in de lijst staan, maar optioneel bij elkaar in een "conversatie". Of minimaal dat je op een transactie klikt en dan onder de transactiedetails een lijst ziet van andere transacties met die tegenrekening. Helemaal blik wordt ik dan als je de transacties in een grafiek kunt zien ;-)

Zoals in de ABN app?

De ABN heeft dat? Ik heb die app tijden gebruikt maar ben het nooit tegen gekomen, maarja ik sloot de app altijd zo snel mogelijk weer 😋

Isn't it true that you text with 10-15 folks only and pay hundreds of different people and stores throughout the month? So that would resolve exactly nothing and still result into a long "cluttery" list.

That said, "online huishoudboekje" that's nowadays called Afas personal does categorize payments, so the idea should and is actually pretty handy but should be on a different tab I.m.o.

It's not a feature in the ABN AMRO app, I just checked.

However, the above mentioned description sounds about right to me as well - even though I am not the one who came up with this idea.

@Danny, it works in the ABN iOS app

I don't think most people buy stuff from other places every single time. Most people will have their basic stores and bills repeating every week/month, so it will at least look way more clean than how everything's handled nowadays.

This really would be a feature that sets Bunq apart from the others.

That's odd, I see no such feature when I look for it online, nor have I ever seen it in the iOS app from my friend's iPhone. When was this introduced?

Are you sure you understand the idea correctly? 😜

Like bluemail or other modern mail clients? Click on the icon to show relevant payments of the same account/shop/user.

(auto) tagging of transsctions and the ability to devide how you want to view them (chronical list, per tag or a combination of tags). Tag assignment should be configurable. Such as: "*AH* || 'Albert Heijn' = label:groceries".

I like the idea of viewing transactions as conversations. Exchanging money or trade in general is a kind of conversation. The other party provides you with a product or service and you reward (reply) them for the effort. However, conversations are never endlessly long lists of words, they are based on events. Mostly short and possibly recurring moments that bring people together. Just two folks, a group or even people that never meet could still be part of the same moment.

Simply grouping transactions by contact still maintains the long-list problem, only divided into smaller chunks. What if you want check whether all recurring monthly payments have been completed. Now you scroll the list, filtering for those regulars. But with grouping you have to iterate your regular contacts and then scroll through each list. That's more of a hassle than one big list with searching.

I believe these financial conversations should be event-based. A bit like how Apple Photos is grouping photos by time. For example, when shopping I have card transactions in multiple stores ranging from buying something at the train station, then some retail stores, a lunch break, more stores and the taxi ride home. The bunq app could detect a pattern like all transactions happened within an hour after each other with a long pause before and after. Those could be grouped into one event. Perhaps even based on location tracking. Another event could be 'Monthly recurring' which auto collects the direct debit transactions that match a pattern like 'occurs only once every month'.

Great idea!

It could expose some small cost-cutting opportunities, but in general I wonder why I would want to see all my transactions grouped per merchant/service provider as a consumer. A transaction overview is not something that invites a specific action (as opposed to an sms conversation).

My primary use case now for the overview is to go back in time to see how much I spent on a certain transaction (because I want to split a bill) and this idea would make that process very intransparent.

The core strength of bunq is that my budgeting is done via the different ibans, so I don't really need the transactions overview anymore for budgeting/cost-cutting purposes, since I will find out via the different budgets if I am overspending. In case I would want to cut costs I will need more details which the grouped view will not give me anyway (receipts listing what I actually purchased, so I can take action on it).

'Actions' (and lack thereof) is the key word in this discussion I think.

off-topic: what would help me budget in a better way is if the app would provide a D-day guestimate of when my budget will be depleted based on past expenditure patterns. That feaure would bring me immense value as it would allow me to adjust my spending immediately, so that this date occurs after pay day.